Automatic credit card payments: 信用卡自动还款 Credit history: 信用历史、信用记录 Credit score: 信用分数、评级 Personal credit history/score: 个人的信用记录、信用分数 Credit check: 信用调查、核查 Do a credit check on someone: 针对某人做信用调查(国外申请贷...
What is credit history, and what’s a credit score? These two important concepts can impact a person’s finances but can be difficult to understand. Here, we’ll break down what you need to know about credit history and credit scores, and why they’re important....
Your credit history and credit score work in tandem — positive elements on your credit report — on-time payments, low credit utilization and a mix of credit types — will help build a stronger credit score. Alternatively, negative marks on your credit report will harm your score. About the...
Your credit history reveals how well you have used credit in the past, and lenders use it to approve you for loans and determind your terms.
Among the considerations that determine your credit score are: Your bill-paying history, including how many credit accounts you’ve consistently paid on time. (An easy way to make sure your bills are always paid on time is to set up automatic payments through youronline banking service.) ...
What Is the Difference Between Credit History and Credit Score? Your credit history is a detailed report or statement about your repayments for all your debts and perhaps other financial information. It names your loans and how often you have made payments on time or opened new credit. Your ...
What is a good credit history length? Key takeaways Length of credit history makes up 15-20 percent of your credit score. It takes time and responsible use of credit accounts to build a long credit history. Negative information, such as missed payments, can have a bigger impact on ...
Discover what credit history is, if it can affect your credit score, and more to take back control of your credit history. Learn how to build up your credit history.
Your credit report is a summary of your credit history, and your credit score is a three-digit number derived from the information on your credit report. Financial institutions use your credit score to help determine whether they’ll lend you money, and what terms they’ll offer you. Consider...
Canada’s central credit bureaus use your credit history to give you a credit score (or credit rating), a number that reflects how well you have borrowed and repaid money. Lenders look at your credit score to decide whether to lend you money (and how much). The higher the score, the ...