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21 April, 13:39

A record of the borrower's past loan and credit? related transactions.

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  1. 21 April, 13:46
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    This is called Credit History. Banks use these to decide whether or not they're gonna give you a loan or not. If you've ever made a mistake or was late with a payment, then they reset after a while, depending on the country, but usually around 2 years. Doing things that are good for the bank increase your credit.
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