WHEN mum-of-two Anna James first signed up to a credit checking app, she just wanted to get her finances on track and lift her score.
But eight years later the 32-year-old counsellor from South Wales was nearly £30,000 in debt and on the brink of bankruptcy after taking out credit cards and loans offered when she fell on hard times.
“I didn’t have a great credit history and I signed up to the ClearScore app to improve it,” Anna* says.
“I wanted better prospects for myself and my children so that hopefully we could have a home of our own one day.
“It started out that way, but then it started showing me all these credit cards I could get.”