Credit history is a summary of an individual’s financial activities showing the information about both past and present credit liabilities, including completed and active ones.
The credit history shows not only the time of loan taking but also the amounts of contracts, the name of the lender and other types of data. Information on payment discipline is also available – whether commitments have been met on time or there have been delays. Mortgages, consumer loans, car leases, study loans, credit cards, unpaid rental bills, even unpaid parking fines – all determine whether your credit history will be positive or negative. The loan guarantees to other persons are also included there.
Individuals can view their credit history free of charge by loging into system via online bank.