Credit history
Credit scores & reportsA record of how you have used and repaid credit over time.
Overview
Your credit history includes things like payment records, account openings, and defaults.
It builds up gradually and changes as lenders report new information.
Why it matters
- Longer, positive history often supports better outcomes.
- Recent missed payments can weigh heavily.
- History helps lenders assess risk.
FAQs
How long does credit history last?
Different entries last for different periods, but most records remain visible for years.
Can I improve a thin credit history?
Yes. Small, consistent, on-time payments can build history over time.
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