Ginko Financial

Many people are under the impression that if they don’t take out any cheap loans and don’t have any credit cards then their credit rating will be 100% perfect.  Unfortunately it’s doesn’t quite work like that.  If you haven’t been making use of loans or credit cards, you will find that your credit score is a lot lower than someone who does have loans and credit cards. If you don’t even know what your score is you can get your score from myFICO by clicking here.
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A lot of folks are finding themselves with bad credit for a number of reasons.  If you keep going into arrears then this will really affect your credit rating which means affordability suffers.  There’s nothing strange or unusual about this.  Most people have less than good credit ratings.  And of course there are those whose financial troubles are so bad they have needed to declare bankruptcy.
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