Today our guest is Mary J Fourie - my journey to freedom founder.

• Every day, people either take out loans for other people, or sign guarantorship for someone else’s loans.
• If, for any reason, there are defaults on the agreement you could be putting your credit record at great risk and this can take several years to recover from.
• According to reports, These are the top three credit items that concern lenders: taking out too many loans, taking debt for someone else, and lots of ‘hard’ credit enquiries
• Every time you apply for credit, the lender will draw a credit report on you – something known in the trade as a ‘hard’ enquiry.
• Too many hard enquiries to check your credit worthiness can negatively impact your credit score as it can be seen as a sign of financial stress.