Absolutely - - still, this post is about comparing to determine which is the least worse! haha.
Keen to hear from someone who has actually used to see how it went for them - know anyone who has used and which one do they use? :)
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I know of a few people that have used either Zip or After (I'd never even heard of the other option until this post), but nobody I'm close enough to that I would delve into the details of the process with them - sorry.
Thanks anyways - yeah just keen to make sure I understand properly and not just jump to a conclusion because well..I'm not a fan of credit etc...