Personal Credit Counseling
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Credit counseling - Credit Counseling is a process offering education to consumers about how to use credit appropriately to avoid incurring debts that cannot be repaid.
Adverse Credit History - Adverse Credit History, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history and bad credit history, is a credit history that is judged as being adverse as the applicant has a history of unsatisfactory credit transactions. The term can apply to a corporate credit history but is more frequently used in relation to personal credit.
Credit reference agency - A Credit reference agency (credit reporting agency in the USA) is an organisation that collects and collates personal financial data on individuals, from financial institutions with which they have a relationship. The data are aggregated and the resulting information is made available on request to contributing companies for the purposes of credit assessment and credit scoring.
Tim Rogers (writer) - Tim Rogers is an internet writer and budding New Journalist who is notable for his video game reviews on Insert Credit and for his personal site Large Prime Numbers. These reviews have earned him the scorn of internet mecca Something Awful for their discursive and personal style.
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