Many things combine together to make your credit score. Your repayment history, length of credit history, amount owed, and types of credit used - all have an effect on your credit score.
Your credit history is a documentation of your past financial commitments. There are many credit reference agencies like Experian and Equifax that assess your credit worthiness and accordingly assign you a credit score. Lenders consider your credit score while determining whether you should be allowed bad credit personal loans or not.
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