from three or four creditors at different interest credit rates. But now he finds himself in a situation where he is not able to pay his monthly installments regularly and is not able to manage his debts properly. This is leading to harassment by the creditors. Compounding of money due and hence higher rates being paid. The problem becomes even more severe for people with bad credit history. It includes people like ò CCJÆs ò Arrears ò Defaults ò Late payments, or ò People who have previously filled for bankruptcy Bad credit history takes into consideration the people who have not payments with the regularity to their borrowers in their previous loan term. On the basis of their regularity they are given a score to estimate the financial credit worthiness of the borrower. A score of below 600 is considered poor and a score of or above 620 is considered good. There are other scores as well like FICO (Fair Isaac Corporation) the range of this score is from 300 û 850. People can get it calculated by different credit rating agencies of the UK namely Transunion, Equifax or Experian. The score is based on the factors such as: amount of previous loan, length of previous loan, credit period and how the repayment was made. The borrower is given three scores and the creditors can either or a combination of these scores. Debt consolidation to the bad credit people is available in two forms i.e. secured debt consolidation where the borrower has to provide collateral to the lenders. As mortgage it could be any worthwhile asset of the borrower like a car or his home. The advantages of secured debt consolidation are that it facilitates low interest rates, easy and flexible repayment plan for a long period as long as up to 25 years. Else they can go for unsecured debt consolidation where no security is required to avail the loan. This method is relatively easy and available to every borrower. The relative disadvantage is that this is a little expensive compared to secured debt consolidation and can be availed for a lesser time period. Even with the unsecured debt consolidation the borrowers can now get the best deals with the presence of so many lenders. The competition is intense and the customers get all the benefits. The benefits of going for bad credit debt consolidation loans are ò It saves the borrower from the humiliation that can be put upon him by the creditors. ò It helps the people with bad credit scores to improve on their credit score and thereby improving their
piece
is
an
abstract
triptych
that
I
found
while
I
was
in
Atlanta
buying
religious
paintings
The
piece
was
called
Guardian
Angel
and
I
love
it
My
patrons
fell
in
love
with
it
as
well
They
have
asked
me
to
track
down
the
artist
and
see
if
he
has
anymore
religious
paintings
available
The
only
religious
paintings
that
I
actually
do
not
buy
are
ones
that
reflect
the
image
of
Jesus
on
the
cross
I
don’t
have
a
problem
with
them
some
of
them
are
extremely
well
done
and
would
more
than
likely
sell
well
but
my
investors
made
it
very
clear
when
they
financed
the
gallery
that
I
would
not
put
that
image
into
it
PPPPP
683
Ajello
Candles
The
motto
of
the
Ajello
Candle
Company
is
“It’s
better
to
light
a
candle
than
to
curse
the
darkness”
This
candle
making
company
has
been
in
business
since
1775
The
business
has
been
family
owned
for
seven
generations
The
candles
from
Ajello’s
are
well
known
for
their
beauty
and
quality
While
they
make
more
candles
now
than
in
1775
their
dedication
to
quality
and
to
customers
has
never
changed
The
Ajello
Candle
Company
was
founded
by
Rafael
Ajello
an
Italian
painter
He
was
also
a
beekeeper
so
he
tried
his
hand
at
using
bees
wax
to
create
candles
He
worked
hard
to
create
a
formula
that
worked
well
The
formula
combined
with
his
outstanding
artistic
ability
lead
to
the
birth
of
the
Ajello
Candle
Company
In
1785
the
company
earned
the
honor
of
creating
all
the
candles
for
the
Vatican
He
and
his
wife
ran
the
business
keeping
their
children
involved
in
the
processes
from
an
early
age
As
time
went
on
their
children
and
grandchildren
kept
the
business
running
as
well
as
passed
the
family
business
on
to
their
children
By
1862
the
company
had
established
itself
as
a
leader
among
the
candle
making
industry
They
had
also
added
perfumes
and
many
.
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