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Credit Reporting

How lenders determine a person’s ability to pay

When you apply for credit, the lender must estimate the probability that you will be able to repay the debt as scheduled. What does a lender need to know in order to …

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A Diamond Is Forever

Your credit life is not

The marketing divisions in the financial industry have worked very hard to show us how to have it all and how to have it all now. After all, you are worth it, aren’t you?

Whether …

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Bankruptcy Beckons

Doug and Sue’s worst fears confirmed

There are different degrees of over-indebtedness, just as there are many reasons for getting into debt. Some people are unable to repay their debts because of COVID-19 and income interruption, unforeseen large expenses, personal …

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