No Deposit, No Interest, No Repayment Offer. Very Interested !

From time to time, this familiar phrase “No Deposit, No Interest, No Repayment” comes on the commercial break on your TV. The offer varies the period. Sometimes only for 12 months, but if the time is right it can be up to 40 months. (Yes, only about 3.5 years later you need to worry about the payment).  Sounds to be good to be true? Actually, it’s not. It’s real and simple and everybody happy. You just need a discipline ! Read more

Credit History: An Important Document You Can’t Deny

Credit history is simply a record to all your activities in the past in relation with loan and debt. It’s not only all your personal loan, homeloan/mortgage, car loan or credit card account that you apply are there, it’s may also contain all the subscription that you have such your post-paid mobile account and even electricity/gas account.  And the most important content is what have you done with all those accounts. Such as:  have you ever not paying your rent or mortgage? Have you ever declare yourself bankrupt? How many times you did not pay your bill (or even late paying your bill) ?, etc. Yes, all of those information are available to all company, of course with your consent. Can you start feeling its importance ?

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