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What is a Credit Rating & a Credit Score?

Your credit rating is a measure of your perceived financial ‘health”. From a statistical point of view, your credit rating reflects how likely you are to make your payments on time your ability repay debts. It would take a lot of work for lenders to send out a personal investigator to check up on you […]

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What are my rights where collections agencies are concerned?

Dealing with collection agencies can be stressful and complicated. Understanding your rights can help to lower stress make it far less complicated. A collection agency may not: Contact you until six days have passed from sending you written notice of the following A. The name of the creditor B. The balance owing C. The name […]

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