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An adult with no credit history may find it hard to get a loan or a mortgage.
Renting can be tricky for people who don’t have a credit file. If they’re late or miss payments for things like mobile phones or credit cards, it can impact their eligibility.
A way around these issues is to find someone to act as a guarantor. They take on the financial risk of a loan or rental agreement.
There are many legal considerations to think about before agreeing to become a guarantor.