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For consumers with healthy credit records it's good news.
They looked into Issa's court and credit records, mortgage documents, and other personal information.
Those with the healthiest credit records can indeed borrow for a mere 5-6%.
Russia, Prussia and Denmark had good credit records, but offered a 5% return.
Even firms with patchy credit records are issuing "high-yield" debt to investors clamouring for returns.
Banks are lending to homeowners with the safest credit records and based on a government subsidy.
Customers of other banks have been told to keep checking their credit records.
Thefts of credit records, Mr. Power said, are far more common than is reported.
The news provoked angry reactions from some credit-card holders who claimed their credit records were spotless.
Like payday loans, these are aimed at borrowers who have poor credit records and are unable to borrow elsewhere.
The analysis found that millennials were much more likely to have poor credit records than older people.
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