A credit history provides a record of a consumer’s borrowing habits, such as the number of existing loans, so lenders and insurers can decide whether to approve the person for a new loan or credit line, according to Cons... More »

www.reference.com Business & Finance Credit & Lending

Consumers can see their credit history by accessing them online through one of the three major credit bureaus, Bankrate reports. Customers are allowed one free credit report per year per reporting agency, which can be ob... More »

The length of time negative information remains on a person's credit history ranges from seven to 10 years. A bankruptcy has the longest-running implications, as it stays for 10 years. Other items, lawsuits and judgments... More »

www.reference.com Business & Finance Credit & Lending

A credit report is the detailed history of a consumer's borrowing history, and a credit score is a value assigned to the consumer based on credit history details, according to U.S. News & World Report. In a FICO scoring ... More »

www.reference.com Business & Finance Credit & Lending

Most federal student loans, such as the Direct Loans and Federal Perkins Loans, do not require a credit history, according to the Federal Student Aid Office. These loans can help a student establish a credit history. To ... More »

www.reference.com Business & Finance Credit & Lending

The length of time negative information remains on a person's credit history ranges from seven to 10 years. A bankruptcy has the longest-running implications, as it stays for 10 years. Other items, lawsuits and judgments... More »

www.reference.com Business & Finance Credit & Lending

Financial institutions offering car title loans lend customers money and hold the title and a spare key to their car as security for the repayment of the loan, according to Consumer.gov. Customers usually have only 30 da... More »

www.reference.com Business & Finance Credit & Lending