Review the disbursement amount, monthly dues and your first due date. STEP 3. 7/5 ( 5 votes ) You should have a 640 or higher credit score in order to qualify for a $20,000 personal loan. GScore is the primary basis to qualify for GLoan, GGives, GCredit and enjoy benefits such as lowest interest rates and highest credit line or loan. 1: GScore does whatever it wants. Any missed due dates will incur a penalty fee of 1% of the total loan amount with a daily penalty of 0. 2. Look for GLoans under “Financial Services”. Here are some features you can unlock once you get a high-enough GScore. don't know what happened, too. ill help you unlock more features tulad ng GCredit to pay later, GGives to pay lighter, at GLoan to get up to P125K instant cash. GCash now offers up to PHP 125,000 loan amount via GLoan, depending on your GScore. r/UKPersonalFinance. GCash has settled P2. 59% per month or about 31% interest! No penalty for paying off early, and also no amnesty/recomp since the schedule is already fixed when you availed the loan. To be eligible for these products, users must have a fully verified GCash profile and maintain a qualified GScore, which is the app’s trust rating reflecting their GCash activity. A Filipino citizen A Fully Verified GCash user Maintain a good credit record and did not commit any fraudulent transactions How many Gscores to unlock a Gcash. Click the button and click Next on the intro pages. Ang GCredit ay powere. GCredit. All loan applications are subject to the approval of the platform. 5G + GoBOOST comes at ₱999 for 30 days at 50GB or 100GB for Php1,999. Bumaba ng >30pts yung GScore ko kasi siguro around 100 pesos lang ang inuutang ko per month at ilang araw pa lang binabayaran ko na so napakaliit ng nakukuha nilang interest sakin. GCash pa more to boost your GScore! Mag-open ka lang ng GSave account at mag-deposit araw-araw para tumaas ang points mo. #2. It can uses a GScore to learn creditworthiness. Activate GGives. GScore is a measure of how bankable a person is. Payments can be made via the GCash app itself or via GCash payment partners, among these include BPI, Bayad Center, Metrobank, and BDO. A high GScore will help you unlock more features tulad ng GCredit to pay later, GGives to pay. Here are the steps: Under Services tab, go to Send Money. 1K views 2 years ago #GLoan #CashLoan #GCash Hello Kapwa, here are the five minimum requirements to avail GLoan / GCash Loan. What durations can I get a GLoan for?Idk if your GScore would really be tied up to your real credit score but one thing is for sure, GLoan could save you when you need it at manageable din naman yung interest rates. My concern kasi is what if di maiwasan na may ibang tao na may access sa account then gumawa nang loan. Just took a step towards better financial management! 🙌 Just cancelled 3 credit cards from different banks to keep my spending in check. 5 billion in ten months since it launched GLoan, reflecting significant demand for the product. GLoan is GCash’s fast and easy cash loan solution where you can loan up to PHP 125,000 instantly. Note that the interest rate also depends on your GLoan duration – shorter the duration, the lesser the interest rate. 2. In terms of the interest rate of GLoan, it depends on your eligibility, GScore, and preferred installment duration. 83 x 12, a total of 32,770. Always use GCredit in your. Loans are payable in five. GCredit is one of the benefits you can unlock when you keep your GScore on top. Sign in from the Payoneer login page. What is the interest rate for a GLoan? GCash determines the interest rate on your GLoan based on your GScore. Pwede kang Umutang ng pera hanggang P25,000. GLoan. Enter your payment details such as account name, amount and email. A high GScore. 99% per month. GScore; GLoan; GGives; Aside from the wallet balance, here are the features that are different between accounts — meaning there is a different instance per account. Select your loan TENOR and AMOUNT. Gloan is oks naman, tried it. III Sec. A Filipino citizen. I have not had any late payments and even used gcash for paying bills just to increase my score, lol those efforts are useless, my credit score decreased. GCash’s GLoan is a cash loan that you can get using the GCash app. Once you get to Level 3, the store is unlocked and you can now buy Wild Cores (WCs). share microsoft to do list outside organization; best dictionary for 9 year old. You can unlock higher limits by linking your BPI/UnionBank or your Payoneer account/s and utilizing. This service is more geared toward business owners who need a boost in their operating funds. If it doesn’t appear on the main screen, click “View All GCASH Services. . Check that your. The best way to have a top GScore should be to create well-timed GCash statements. Just use GCash to pay bills, save, and invest to maintain or increase your GScore! CIMB Bank Philippines, Inc. 59% – 6. It is a financial service offered by. If you’re qualified, follow the steps to apply and activate your GCredit. STEP 2. GScore. Agree to allow GCash access to your account. Elite. . My take, defaulting your online loans may not affect your credit history as it didn’t on mine. The score is based on how users transact with GCash, whether by sending money, buying load or making payments, among others. Tags Apply GLoan, GCash Loan, GLoan, How Much GCash Loan, How Much GLoan. “With GGives and GLoan, Filipinos now have access to safe and efficient credit. Pataasin ang GScore upang ma-avail. However, since these games are all under different companies and different platforms, as a result, there are also as many currencies (i. Get pre-approved. Don’t fret. You must be a Filipino citizen and have a valid ID. Jun 21, 2023 #12 Wag ka mangutang boss. You will also be charged a 3% processing fee which will be deducted to disbursement. Through this product you can get cash loan using Gcash, its difference with Ggives and Gcredit. This will be deducted from the total loan amount that you will receive. Legit Loan App – GLoan Review – Legit Online Loan App Philippines 2022. Try increasing your gsave, that is transferring gcash money to cimb, in my case. Scroll down and select. . How do you unlock GLoan? Just open your GCash app, tap “Show More” and look for the GLoan icon under Financial Services. Get pre-approved access to up to PHP 125,000 cash loans instantly Thanks! For the Gscore to increase, you need to use your Gcash app, specifically buy load, pay bills, and paying through qr code for gcash enabled merchants. Continuously transact using GCash and GCredit. original sound - GCash. GScore is GCash’s proprietary credit scoring system, and the specific requirements for loan eligibility can vary based on factors such as the type of loan, your financial profile, and your transaction history. Open the app and find the GLoan icon from your GCASH dashboard. Get cash now and pay later with GLoan! Unlock this feature by boosting your GScore. . As per the app, you can get approved from 1000 PHP up to 30000 PHP. Verify the email address that is indicated. Always use GCredit in your transactions such as Pay Bills, Pay QR, GInsure, Shop Online, and GLife to increase your GCredit Limit. 59% to 6. In the GLoan Dashboard, select Pay For GLoan. Subs. Get a loan of up to P25,000. File a report with GCASH and have a documented report from them and have them investigate saan galing and saan napunta /na route yung money. SPECIAL OFFER 0% interest on your FIRST loan! #3. Once approved, the money will go straight to your GCash wallet. GLoan has a maximum loanable amount of up to P125,000. On the dashboard, click Profile. GScore is a score that reflects how active you are when using GCash and/or if you are paying your GCredit loans on time. One’s GScore is earned through frequency of GCash use: the higher it is, the higher the credit limit. Gscore ko is 484. 15% of the outstanding principal amount per day missed. Garrix Romanggar 360 subscribers Subscribe 4. Increasing or maintaining one’s GScore can be done by maintaining an active GCash wallet balance, regularly using different GCash services,. The Bill of Rights (Art. GGives also require a minimum spend of P1,000 and P50,000 for the maximum spending amount that depends on your profile and GScore rating. How do I avail of GLoan? From the main GCash page, go to “Show More…” and scroll down to see the GLoan button beside GInvest. Getting the maximum Gscore of 750 will unlock the maximum credit limit of PHP30,000. If you’re eligible, the app will allow you to easily process the loan with a few taps on the screen. If you are new to borrowing money, this is a good entry. GLoan offers loans from P1,000 to P50,000 payable in five, nine, or 12 months, with the in-house trust platform GScore used to evaluate a borrower’s ability to pay. 59 to 6. . 7% nga lang interest ng gcredit pero if you have the capacity to pay naman, go lang 😊#borrowmoneyonline #howtoborrowmoneyonline #gcash #gloan #soniakidstv1064 Sa Video na ito share ko sa inyo Paano ba ako naging eligible sa gloan kahit mababa. Na activate ko na GCredit at GGives pero GLoan hindi pa 😃 Gigil na gigil na ko mangutang 😂. Basically, it’s a revolving line of credit but with daily interest. I can no longer avail gcredit, gloan, ggives. · 3h ·. How can I unlock GLoan in GCash? How do I become eligible for a GLoan? You must be 21 to 65 years old. Get cash now and pay later with GLoan! Unlock this feature by boosting your GScore. If you. GLoan has a maximum loanable amount of up to P125,000. . Under your Profile, click GScore on the drop-down menu. GLoan is GCash’s fast and easy cash loan solution where you can loan up to PHP 125,000 instantly. “Nakabayad ka na ng bills, tumaas pa ang GScore mo! A high GScore will unlock more features tulad ng GCredit to pay later, GGives to pay lighter, at GLoan to get up to P125K instant cash. Loanable amount: Up to ₱125,000; Interest rate: 1. “Keep using GCash for your online purchases para tuloy ang pagtaas ng GScore mo! With a high GScore, pwede mong ma-unlock ang mga services GCredit, GGives and GLoan. Leading e-wallet platform GCash has handed out more than ₱2. Step 1. #howtounlockgcredit #howtoincreasegscore #gcash #gcredit #unlock #tutorial #how #trending #paano #vlog #viralvideo #viralshort #viral #earning #stepbystepOthers. Your. Qualified users may activate GGives in just a few easy steps. . GCredit provides a base of P10,000 credit line and is only available for fully verified users with high GScores. Unlock GLoan, GGives, and GCredit and score many benefits! With GSco. Your GCredit limit may increase or decrease based on how much you’re spending using GCredit and if you pay on time/in advance. Borrow Up to ₱125,000Anu bang required GScore para ma avail yun GLoan. #gcash #tutorial #loan #earnmoneyonline PAANO UMUTANG O MAG LOAN SA GCASH KAHIT MABABA ANG GSCORE GAMIT ANG CELLPHONE - GLOANpaano umutang o mag loan sa gcas. Updated 11 hours ago minute read. In my case, 750 ang aking GScore. Looking for other ways to borrow? GLoan. Review your loan terms, Once confirmed, press “CONTINUE”. As modern games expand and spread, we can see lots of microtransactions getting mainstream. To check your Glo number via the Glo USSD code, simply follow the quick steps listed below. How to INCREASE YOUR GSCORE FAST 2022 👆 para maka-AVAIL na sa mga GCash Loan Apps 🤑Aside of paying our bills on time sa GCash, makatutulong din to increase. Find the GGives icon under Financial Services (beside GInvest and GLoan). IT works 24/7. “With GGives and GLoan, Filipinos now have access to safe and efficient credit services that offer fair and transparent interest rates to help them cope with these challenging times,” said GCash President and CEO Martha. Get started with GLoan. GLoan is the easy and fast way to borrow from Gcash. Borrowers. Instantly approved loans straight to your wallet with GLoan. GGives is a loan product that allows you to pay in installments, with different interest plans depending on how many months you’re planning to pay for it. A Fully Verified GCash user. GCash offers a wide variety of loan programs, like GLoan and GCredit. These loans are available to GCash users through three different products: GLoan, GGives, and GCredit. Keep in mind that paying your loan dues early boosts your chances of getting a better GScore. ConversationYour credit limit will be increased in proportion to your GScore. its not necesarily a scam but its a common marketing strat to get customers to lockin for 2yrs in exchange for a phone. Surface Studio vs iMac – Which Should You Pick? 5 Ways to Connect Wireless Headphones to TV. . I just paid off my GLoan earlier today. Here are the steps: Log into the Virtual Pag-IBIG portal. The actual GScore that will unlock GCredit is not disclosed by G-XChange / Mynt. GCash Jr is a version of the GCash app catered to minors. I have Gcredit and GLoan. “ACTIVATE MY GGIVES. GScore is an indicator of how often you use your GCash application. a fully verified GCash account; a good GScore: you can increase your GScore by using more of these GCash features – cash in, pay via QR, transfer money, pay bills, and GSave. If you wish to be eligible for a GCash improve, and begin show your own personal paperwork and search any GScore. Get that extra puhunan you need with GLoan! You can get up to P125K pang-expand! Use GCash for your transactions to increase your GScore and apply for a GLoan!GLoan. One of the fast loan in 15 minutes Gcash releases. 57% interest rates, respectively. Enter the amount you want to repay and press Next. Get cash now and pay later with GLoan! Unlock this feature by boosting your GScore. The total amount to be paid back is 2730. How Much GScore Do You Need to Unlock GCredit? GCash doesn’t provide a specific score that you need to unlock GCredit. On the next page, you will need to input your 6-digit PIN and click Next to see the success page. You can view your minimum and available loan. Open GCash on your mobile phone and select the. Jun 13, 2022 04:05 AM. Check that your pre-filled personal information is correct. GLoan Interest & Fees. you must be 21-65 years old The loanable amount for GGives is between ₱1,000-₱50,000, which will be directly paid to the GGives partner merchant where you purchased the item. Previous. The overall loanable amount and payment terms will vary depending on the person’s. anyways. First, tap “view all services. For instant cash, the former enables GCash users to borrow up to P125,000, which is. ‘Pag mas mataas ang GScore mo, you can unlock more payment options like GCredit to pay later, GGives to pay lighter, and even get instant cash through GLoan! If you have a higher GScore, you’ll look like a financial superstar in the eyes of GCash. This in turn you can use in any GCash service, including withdrawal or cash out, bank transfer, or sending money to another person among others. We encourage you to keep using GCash services such as cash-in, pay bills, transfer money, GSave, GInvest,. Just open your GCash app, tap “Show More” and look for the GLoan icon under Financial Services. How to increase Gscore and bakit minsan bumababa si gscore which I asked their support. Think about the people that. Below is a sample amortization schedule in the dashboard with interest rate and fees: To update your GLoan Account details such as your address and GCash registered mobile number tied to your account, please follow the steps below: If you are requesting a change in mobile number, please ensure that your new mobile number is Fully Verified first. Remember: G. Your GScore or Credit Score are shared with other Lending or Credit enterprises as mandated by the Bangko Sentral ng. Regularly use GCredit to Pay QR and Pay your Bills! Start or continue to use GSave! Start or continue to use Invest Money! Transact weekly using GCash. Just use GCash to pay bills, save, and invest to maintain or increase your GScore! #BorrowWithGCash #SagotKaNamin Keri lang magpa-budol with GLoan! You can instantly get up to P125K pang-home renovations! Use GCash for your transactions to increase your GScore and apply for a GLoan! Ineligible GScore. 57% per month. The more features you use, the higher the GScore. GGives is available to users with a high GScore on the GCash app. You can complete the activation process in just a few minutes. Ako from 460 to 375, may prev loan ako na delay ako ng 1month then nag fully paid agad ako kahit. Also, you need to maintain a good GScore, have a good credit record, and didn’t commit any fraudulent transactions. No views 1 minute ago. How do I know if my GCredit is activated? GLoan lets you borrow as high as PHP125,000 in cash, payable up to 24mos with no additional documents required. Can I cash out my GCredit in GCash? While GCredit can be used to pay for online purchases and bills, there are currently no ways to use it to transfer money to a bank. The amount borrowed is payable up to 24 months. • 1 yr. P ay your GLoan dues in advance (before your due date) to avoid incurring late payment charges. They only say that you need to keep using the app to increase your credit score. How many Gscore to unlock GCredit? There’s no definitive scoring guide released by GCash, but a Gscore of more than 600 points will activate GCredit with a credit limit of PHP10,000. Select Payoneer from the list. Mobile e-wallet GCash is expanding its lending business into GLoan and GGives, disbursing over P40 billion loans as of mid-2022, to provide more options for Filipinos to manage their finances. The loanable amount varies according to the user's eligibility. Select the desired command: bgp, ping, or traceroute. 57% per month, depending on your eligibility and loan amount. . This allows qualified users to pay for items up to PHP 30,000 under 24 installments or ‘gives’ twice-monthly within 12 months. To recap, GLoan is a personal cash loan straight from the GCash app. Anyways I got approved afterward so I guess it is easier to get a credit line with this. , tokens, diamonds, coins, etc. Kaso pag pumupunta ako sa GLoan ng app ko, nakalagay lang na "Thanks for checking out GLoan, this is currently available to pre-qualified users, etc. You just have to keep on using the cash-in feature to increase your score. Once on the Link GCash Card page, input the last 4 digits of the card and the Virtual Account Number from the back of the card. 00GLoan is GCash’s fast and easy cash loan solution. GCash is a popular mobile wallet app in the Philippines that offers a range of financial services, including GCash loans. We encourage you to keep using GCash services such as cash-in, pay bills, transfer money, GSave, GInvest, GInsure, and GLife. Just make sure you maintain a healthy GScore. This is just based on my knowledge and experienced. Higher incoming limits – you will be able to receive up to Php 500,000 in your wallet and daily cash-ins have no limitations. Outgoing limits increased — withdrawals will be unlimited each month, and you can withdraw up to Php 100,00 per day. Input the repayment amount and tap NEXT. You can increase your Gscore by using the various features in Gcash and making regular transactions within the app. The next offer usually increases especially if you pay on time or in advance but strangely my case is different, despite paying on time and not having any delays I was offered a much much lower loan than the previous one. . Good thing is nakikita agad yung total interest maybe as a way to discourage na din siguro na kung kaya na lang pag ipunan eh icash na lang instead na i grab yung ganun kalaking interest. Keri lang magpa-budol with GLoan! You can instantly get up to P125K pang-home renovations! Use GCash for your transactions to increase your GScore and. Ang batayan nito ay ang iyong GScore. Ilang Gscore ang kailangan para ma unlock🔓 ang GLoan sa ating Gcash?Sa mga interasado malaman please watch this video 📷🫰#sarisaristoreowner #buhaysinglem. Click on Send Money to Other Banks. Tried to raise a concern regarding the GLoan in their app to disable that feature in my account, but do not have even an option for the "Others" in the GLoan category. The interest rate ranges from 0% to 4. Unlock GLoan, GGives, and GCredit and score many benefits! With GScore, you can get qualified to borrow the funds you need. Activate GGives. How do you unlock your GCredit? There have been other GCash users for almost 4-5 years now, and they only have a 400+ GScore as we speak. GScore is utilized from GCash to discover the applicant’s qualifications for a GLoan. It is an interplay between wallet balance, spending and where you spend. Open your GCash app. Keri lang magpa-budol with GLoan! You can instantly get up to P125K pang-home renovations! Use GCash for your transactions to increase your GScore and. Hello po ilan po ang need na gscore to unlock loans?What is the minimum GScore to unlock GCredit? The app requires a GScore of around 600 to unlock the 10000 credit limit to unlock the feature. Verification for minors has more requirements than usual since you would need to prove you are a minor (via birth certificate) and also. 1000 points ts para ma unlock mo gloan . Factors such as GCredit payments, wallet balance, and bill payment history contribute to the GScore. With GCredit, there are zero processing fees and you will only need to pay the amount you borrowed and the interest fee. Tap Borrow on the dashboard. You must also be devoid of fraudulent transactions as well as have a good GScore—your internal rating on GCash based on your activities and use of the. 5. You might also need to get a excellent GScore to get the very best terminology. Choose GCash and go through payment. Before the maximum amount, you may borrow is PHP 50K but the e-wallet company bumped it to a six-digit amount. If you are new to borrowing money, this is a good entry loan for you with its short payment terms and minimal fees. So maximizing or spending to its most limited capacity of the credit may increase your GScore. 59% to 6. This is in line with GCash’s mission to provide financial services to. Watch on. Pwede kang Umutang ng pera hanggang P25,000. Also, you can click Manage GCredit to pay your bills and partner stores and merchants nationwide. . Get pre-approved access to up to PHP 125,000 cash loans instantly. 00GLoan is GCash’s fast and easy cash loan solution. Select GCash from the list of banks. GCash’s GLoan feature, on the other hand, is a financial service that allows eligible users to borrow funds for various purposes that will help broaden their lifestyle options. To avail of the service, you must be a Filipino citizen aged 21 to 65 years old with a fully verified GCash profile. GScore is the user's overall "trust score" from using GCash—depending on how a. 59% - 6. Each product is designed to meet different borrowing needs, whether it’s for emergency expenses, small business capital, or. Access to GLoan Sakto Loan depends on the eligibility of the GCash user. If you’ve availed of a product before such as GCredit, GGives, or GLoan, and it becomes unavailable, there may have been certain policies or scoring metrics that you did not meet to qualify for GCredit/GGives/GLoan. phand tell them about the scam. Your GScore is your personal score for using the GCash mobile app. How GScore is computed can seem so mysterious. com ️ Chat with Gigi ️ Type your question". Pay later with your own credit line of up to P30,000!Is it worth to borrow money using gcash gloan? How much is the interest rate per month? Well, in this video, I'm going to show you a step-by-step guide on th. As a result, it also tracks loan usage and repayment. #gcash#gscore#almonterotutorialKita ko kasi sa GScore ko na up to 125k na yung possible ma loan. I have 6 proven tips or strategy to get a high Gscore Fastly. You will also receive an SMS and Email indicating that your GGives is now activated. As someone with a GScore a few points away from 800, di ko pa rin alam kung anong computation ginagawa nila. ” Step 2. . This is a GScore and GLoan Application Tutorial and Step by S. . GCredit provides a small credit amount at first (Php 1000), but as you pay diligently and on time, you will be able to unlock higher amounts (up to Php 30000) and lower interest rates (down to 3%) as your GScore goes up. By using. The more features you use, the higher the GScore. Pro-tip to increase your GScore and credit limit: 1. Anyway this feature is best sa mga walang credit card or credit history. Get started with GLoan. To my surprise, wala dun si gcash report and postpaid plan. The higher the GScore, the higher the credit limit you can have. ’. ago. Note: Posting of payments through offline partners will take place 1 business day after the payment has been made. 57% per month. Select your loan TENOR and AMOUNT. Maintain a good credit. GLoan Sakto Loan. It takes into account your overall financial behavior, transaction history, and account usage. PAANO Umutang Gamit ang GCash 🤑 GLoan Review 🔥 Legit Online Loan App Philippines 2022. MoneyCat PH: MoneyCat is a multinational finance company, now available in the Philippines. You are eligible to start using GLoan when you qualify for all of the requirements below: 21-65 years old. You can use your loan to pay bills, shop with over 200,000 GCash partner merchants, and cash out your loan to your. The interest rate ranges from 0% to 4. To update your GLoan Account details such as your address and GCash registered mobile number tied to your account, please follow the steps below: If you are requesting a change in mobile number, please ensure that your new mobile number is Fully Verified first. I work from home and my employer is based on London, so it is really hard for me to get a credit card. A member who wants to make application for a GLoan needs a good exposed GCash description. You can show your support on me through this link:PART2: HOW TO UNLOCK GCREDIT WITH LOW GSCORE? || Mars Ayee Ab. Minimum spend of Php 4000. Lastly, you would need to meet the required GScore and pass our credit evaluation parameters. No views 1 minute ago. Gloan by GCash | How to Apply | How to activate Gloan?4. When this happens, it's usually because the owner only shared it with a small group of people, changed who can see it or it's been deleted. Anyways I got approved afterward so I guess it is easier to get a credit line with this. You should also maintain a good credit score (GScore). Habol ko talaga from before yung Gcredit just for my bills (not planning to use it for other purposes like Shopee sales or what haha) . 6. g. Manage your GLoan account. Select “GLoan” under Financial Services. Go to “Show More” on the GCash Dashboard. , Huawei, App Store, Google Play,. GGives is available to users with a high GScore on the GCash app. You first need to link your GCash account to Google Play or to Apple App Store. #1. And now Ang offer nila 1k. Description: GCash - is the financial service which helps Filipinos to improve their lifes. TikTok video from GCash (@gcashofficial): "Paano ma-unlock ang #GCredit #GGives & #GLoan? 🤑 #GCash pa more para sa higher #GScore! #GCashAcademy Need help? Just go to help. Have a healthy GCash balance at all times. If you’re eligible, here are the steps to follow to apply for GGives: Step 1. GGives offers three easy installment options: 3 months, 6 months, or 12 months. After completion of your GLoan application, wait for an email or SMS confirmation that your loan amount will be sent to you within 24 hours. Thank youFor more updates,follow me here:Tiktok: mag loan sa gcash | simple guide for gloan | 5 minutes approved agad | transfer to Partner Banksmga idol Tayo po pwde na umutang ni gcash ,palagiin lan. . Once verified and your age falls under the minor category, your GCash app will automatically convert into GCash Jr. Many GCash users only use the app as a. They only say that you need to keep using the app to increase your credit score. To be eligible for GLoan, users must have a fully verified GCash profile and must maintain a qualified GScore, which is the app’s trust rating reflecting their GCash activity. GLoan has a maximum loanable amount of up to P125,000. Your GScore takes into account your GCredit payments, wallet balance, and bills payment history.