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The rules for credit data privacy have changed.
Lenders are now able to swap and share borrower credit histories.
And, instead of having to wait 60 days to mark a default on an individual credit file, just 14 days after a payment is due is now enough for a lender to mark a missed payment – and affect a credit rating. Just 14 days – in the USA it is 30 days!
We also cover credit files, credit scores and the essentials of qualifying for a property loan.