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At Wonga, the online lender that is often portrayed as a villain with a smiling cheek, about 7 per cent of loans go sour. That is comparable to the default rate on credit card debt. will not stop.

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That little number will play a significant role in your financial. but if your credit score is in bad shape, your opportunity may be given to another candidate with the same skill set and a better.

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You don’t have to graduate with bad credit. for the sake of increasing your credit score. But this is generally not the best option. Chances are you’ll eventually need a loan, even if it’s just.