The recent turmoil that the global economy is going through did not leave the individual finances untouched. As the most obvious corollary of the global economic meltdown, most are facing difficulties in managing their personal finances effectively enough. Not only the national exchequer even the common man finds it difficult to make both has had the ends met. And to hit the final blow to the already exhausted financial status there is the bad credit history that is a problem common to all.

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