The costs of credit

Article Abstract:

It is quite common for credit card issuers, high street banks and building societies to disguise the full cost of borrowing. Unclear statements make it very hard for the borrower to find out exactly how much is being charged. Some credit card companies charge customers who go over their credit limit, for example, while others charge interest if a previous month's bill is not repaid in full. There can be hidden costs associated with mortgages with low fixed or discounted rates, while banks often charge overdraft fees.

Banking industry, Prices and rates, Credit and debit card industry, Credit card industry, Savings and loan associations, Bank fees

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Are you a credit check victim?: Your credit reference agency file could contain mistakes or financial details about your family

Article Abstract:

Credit reference agencies (CRAs) are often used by lenders to share information on credit applied for and to see how credit has been handled in the past. Experian and Equifax are the two main CRAs, and the main information they provide, include the use of the electoral roll, credit searches and details of current credit commitments. Defaults are registered on late payments and these can harm chances of getting credit. The credit scoring systems, used to decided whether to provide credit or not, is considered

Practice, Discrimination in consumer credit, Credit discrimination

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time to get life insurance (part one of a two part report, includes related articles on life insurance costs, case history)

Article Abstract:

Life insurance is very necessary if the dependants of the deceased person are not to be left in financial straits. There are a number of insurances available, mortgage protection, unit-linked whole of life, term insurance, pension term insurance. There are a number of points to be taken into consideration such as age, gender, health, occupation, whether the insured person smokes, hobbies.

Evaluation, Life insurance

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