The Impact of Credit History on Refinancing Decisions

Ever wonder why lenders seem to obsess over your past when you’re just trying to secure a better future for your finances? It’s all about the credit history. This little record is like the financial diary you never meant to keep but tells lenders everything they need to know.

Your credit history isn’t just a list; it’s more like a crystal ball that lenders use to predict your financial behavior. Missed payments or low scores? Red flags go up. But if there’s a steady stream of on-time payments shining in your report, lenders see green lights all the way.

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