Credit history is a record of a person's borrowing and repayment activity. Credit history is used by lenders and other financial institutions to assess a person's creditworthiness, or their likelihood of repaying a debt. Credit history is typically based on information that is reported to credit bureaus, such as credit card balances, loan payments, and bankruptcies. Credit history is an important factor in determining a person's credit score, which is a numerical representation of their creditworthiness.
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What does credit history mean?
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