The price crept up by around 15%, putting it out of the reach of first-time buyers with no regular employment or payslips to back an application for credit.

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Lenders pay for each credit application pulled, and dealers pay for each contract submitted.

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Consumer debt can affect your ability to secure a mortgage, pass a credit check for a rental application, or get a job.

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"You've got to give a lot of credit to Peter for his courage and application - without him we'd have had no chance, " he said.

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The application, which can be downloaded for free, charges vendors a credit card processing fee of 1.8 percent plus 15 cents per transaction, assuming you're swiping plastic from MasterCard, Visa or Discover.

ENGADGET

Some password management applications also support shared passwords for groups such as finance that have many of their team members accessing a common resource like a reporting application or credit reporting service.

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Music lovers can access MOG's entire catalog of over 11 million songs, nearly everything you'd find in popular music download stores, for free, making it the easiest way to enjoy instant access to music with no installable client application and no credit card needed.

ENGADGET: MOG FreePlay brings 11 million songs to the web gratis, makes you work for free tunes