Credit history refers to a record of your past borrowing and repayment activities, which shows how reliable you are in paying back debts. It includes information about loans, credit cards, and other debts you have had, as well as your payment history. A good
credit history indicates that you have repaid your debts on time, making it easier for you to obtain loans or credit in the future. Conversely, a poor
credit history suggests that you have had difficulties repaying debts, which might make it more challenging to borrow money or get credit.
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