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Michael Challiner's Articles in Credit & Debit

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  • Adverse Credit – When Is A Credit History Labelled As Being “Adverse”?
    If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as “adverse”. The expressions “poor credit”, “bad credit” and “sub-prime” all describe exactly the same situation. This leads to a number of questions; what credit information is collected about you, where does it come from and how bad must your credit history be for it to be labelled as “adverse”?

    It's the credit agencies like Equifax and Experian whi...
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