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Credit
A person’s credit status is based on personal credit data which is then passed on to lenders. The information is a guide to that person’s ability to pay back the loan or credit facility applied for. Furthermore, someone’s credit details may be checked before that person is employed in an occupation where the employee will be directly responsible for the employer’s assets.
Simply neglecting to make a payment will not affect someone’s credit status. Actual default requires a certain period of time to have passed, and the creditor must try to warn the debtor that his or name will appear in the credit information register. People have the right to know who has been informed about their credit status.
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