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Your credit history determines loan eligibility and interest rates. Learn how credit scores (300-850), payment history, and debt management affect mortgages, car loans, and business financing—plus tips to improve your score. What Is a Credit History? Your credit history—or credit report—is a detailed record of your borrowing and repayment behavior, maintained by Equifax, Experian, and TransUnion. It includes: Lenders use this data to calculate your FICO® or VantageScore® (300–850), a key factor in loan approvals. How Credit History Affects Loan Applications 1. Credit Scores Dictate Loan Terms High-value keyword integration: best mortgage rates, business loan eligibility, refinancing with bad credit 2. Beyond the Score: What Lenders Scrutinize 3. The Long Shadow of Negative Records Pro Tip: Dispute inaccuracies via AnnualCreditReport.com —the only free, FTC-authorized source....

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