WHEN mum-of-two Anna James first signed up to a credit checking app, she just wanted to get her finances on track and lift her score. But eight years later the 32-year-old counsellor from South Wal…
, but the app showed her that she could still borrow more.
Now she makes one monthly payment for all her debts and after five years any balance that remains will be wiped. Lenders carry out their own affordability checks before approving borrowers and deciding credit limits, it says.
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