Have you ever gone to your Bank for finance to buy a home with bad credit or tried to refinance and you have been late with some payments or have IRD Tax arrears? In fact, 35 percent of our credit score is based on our history of making payments on time. Take extra care before turning unsecured, personal debt into a secured loan, even if the repayment figures look attractive. Generally speaking, however, the better your credit history and financial situation, the easier it is to get approval and at a low rate. Don’t delay your opportunity to build your…