Individuals with bad credit get into a few groups.
1) individuals with little if any credit, those that just have not set up credit however. They do not make use of bank cards, haven’t had an auto loan and simply do not have accurate documentation to base a credit score in.
2) Borrowers who will be holding debt that is too much. Also in the event that you make all of your repayments timely, it’s going to harm your credit rating if you have maxxed aside your charge cards.
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