If you have dealt with credit problems in the past, you may have promised yourself that you'll never borrow again. (creditpilgrim.com)
For example, a borrower with an excellent credit score might qualify for a lower rate than someone with credit problems in the past. (bpfund.com)
It can include both current and previous credit accounts and their balances, employment and personal information, and a history of past credit problems. (finaid.org)