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Credit Scoring Explained

Whenever you apply for a loan or a mortgage, or any other type of credit arrangement such as a mobile phone contract, the lender will want to know if you are able to repay the debt. To seek clarification on this point, they will – besides asking you numerous questions – apply to a credit ratings agency (CRA) for details of your credit score.…

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Payday Loans – An Evil Financial Service Crying Out for Regulation

Payday loans – sometimes called same day loans – are one of the fastest growing sectors in the financial industry. And one of the most dangerous. The idea was imported from America, and the past five years has seen demand skyrocket for these products. By their very nature, these loans tend to be targeted at people on lower incomes or those who already have a blighted credit history. But in …

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