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With traditional banks forfeiting our trust, many of us are taking a shine to the new online social networks that allow users to lend to one another. Nathalie Bonney asks if they are about to take off.

There used to be a general feeling that banks were sturdy institutions, capable of weathering the strongest of financial storms, but the recent government bailouts have revealed their hidden weaknesses. Ever since, trusting your bank has been that little bit harder.

Mistrust has been heightened by a general consensus that banks will charge even loyal customers a fortune to borrow money and offer the lowest interest rates they can to savers. But what if you could cut out the banking middlemen?

In fact, this is the premise of social lenders YES-secure and Zopa (which stands for ‘zone of possible agreement’).

These are online loan markets that bring together members of the public who want to borrow from and lend to one another. It’s a relatively new phenomenon: Zopa launched in the UK in 2005 and YES-secure only a few months ago.
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How do I fix my credit score? This can be 1 of the queries that we receive the majority of mostly from guests to our site. It is just not shocking when you contemplate that according to recent studies, at least 1 in 10 Americans is dealing with the problem of having a derogatory credit rating.

If you have scan this far then you are most likely 1 of these people. The first issue to don’t forget is that you aren’t alone. Millions of Americans plus millions more people in other countries are in the same position. In these times of economic uncertainty many more people are facing monetary issues that were never a problem before.

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If you are anything like me, you dread paying your bills each month.

There is nothing worse than putting in week-after-week of hard work, only to see your money spent before you have a chance to enjoy it. Couple that with the fact that actually sitting down at your desk to make out checks or set up online payment schedules for a dozen different bills that have a dozen different due dates, and it feels like paying bills is a high-stress part-time job that actually costs you money.

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