One of the reasons, just to go back to what Mr. McKay brought up about paying a bill on time but then it not being processed on time, which leads to a blemish on a credit bureau.because they go by when the money's actually received. So that will score on the credit bureau as an R2 or R3, if it was already 30 days late, which will lower the beacon score, which then puts people into these positions where they have to take these terrible loans.
L'agence d'évaluation du crédit donne alors une cote R2 ou R3, si le paiement était déjà en retard de 30 jours, ce qui abaisse la cote Beacon, ce qui force ensuite les gens à contracter ces prêts épouvantables.
