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Credit Reference Agency
A credit reference agency holds details of a person credits activity both past and present. This is used by lenders as part of their decision process when approving or declining a loan application. A credit reference agency holds details of a persons loans outstanding, any missed payments, defaults, or county court judgements. It also shows details of loan and other credit payments which have been paid on time and in full, and may also show past loan and credit agreements which have been fully paid and are now settled.

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Rates range from 7.7% to 23.5% APR - Typical 12.9% APR
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
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