So you need a personal loan. How do you know that you don't have bad credit? In this fast-paced age, it's easy make a few late payments and you may not even realise that your credit rating is impaired. Or how about you couldn't meet past repayments at all and were taken to court? Just because you've made mistakes in the past doesn't mean you won't want or need credit again in the future.
Many of us have no idea what constitutes Good or Bad credit in the eyes of credit providers. Lots of people believe that bad credit is only reserved for those who have defaulted entirely on repayments, gone bankrupt or even been put in prison! The truth is far harsher for the average man on the street.
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