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Not too many years ago people used to joke that the only way that you could get credit was to prove that you didn't need it. Implicit in the granting of a loan was an assurance that you were well able to afford to make the repayments. Whilst those seeking credit still seem to believe that it would not be given if the lender didn't think the loan could be repaid the stark fact is that lenders now prefer that their customers should have difficulties - and a need to seek further credit.

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[[Category:Business and Finance]]