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What to do if you have a bad credit history

Almost all of us at one time or another have paid a bill past its due date, or due to circumstances beyond our control, found it difficult to make repayment on a debt or credit card. Unfortunately, as many later find out, a late payment or missed repayments can continue to haunt you when you go to apply for a loan and find out that your credit history is being held against you. The issue with having a bad credit rating is that in most circumstances this will automatically mean you are declined application for finance. This is because statistically,…

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