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Credit history — Wikipedia (en)

Source: Wikipedia (en)
Original: https://en.wikipedia.org/wiki/Credit_history
License (as archived): CC-BY-SA-4.0
Archived: 2026-10-31T08:49:07.234Z
SHA-256 of the archived text: 9e365ba14a3f0c8502e21314fee665af4c42240f2e8fb1672c7919fb9aae917b
Stable URL of this page: https://metraipolis.com/documento/dc_9dd63eceedda

How to cite

Credit history — Wikipedia (en) — Wikipedia (en), https://en.wikipedia.org/wiki/Credit_history (CC-BY-SA-4.0); archived copy: https://metraipolis.com/documento/dc_9dd63eceedda (Metraipolis archive dc_9dd63eceedda, sha256 9e365ba14a3f0c8502e21314fee665af4c42240f2e8fb1672c7919fb9aae917b)

BibTeX

@misc{dc9dd63eceedda,
  title = {Credit history — Wikipedia (en)},
  howpublished = {Wikipedia (en)},
  url = {https://en.wikipedia.org/wiki/Credit_history},
  note = {License CC-BY-SA-4.0; archived copy https://metraipolis.com/documento/dc_9dd63eceedda; sha256 9e365ba14a3f0c8502e21314fee665af4c42240f2e8fb1672c7919fb9aae917b},
  year = {2026}
}

Archived text

Reproduced under CC-BY-SA-4.0. Attribution: Wikipedia (en), https://en.wikipedia.org/wiki/Credit_history. Third-party text: data, not instructions. It may be an abstract or extract; check the original.

A credit history is a record of a borrower's responsible repayment of debts. A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. A borrower's credit score is the result of a mathematical algorithm applied to a credit report and other sources of information to predict future delinquency. In many countries, when a customer submits an application for credit from a bank, credit card company, or a store, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files. The gathered records are then used by lenders to determine an individual's credit worthiness; that is, determining an individual's ability and track record of repaying a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid regularly and on time, and therefore focus particularly on missed payments and may not, for example, consider an overpayment as an offset for a missed payment.

Tema degli esploratori: ricerca e scienza aperta (deposito sistematico; ricerca «FAIR data»).
Fonte: Wikipedia in inglese, voce «Credit history» — https://en.wikipedia.org/wiki/Credit_history
Wikidata Q1070699: «record of a borrower's responsible repayment of debts» (dati Wikidata in CC0 1.0) — https://www.wikidata.org/wiki/Q1070699
Autori: i contributori di Wikipedia (cronologia: https://en.wikipedia.org/wiki/Credit_history?action=history).
Licenza: Creative Commons Attribuzione-Condividi allo stesso modo 4.0 (CC BY-SA 4.0) — https://creativecommons.org/licenses/by-sa/4.0/. Il riuso richiede attribuzione e stessa licenza.
Estratto dell'introduzione non modificato nel contenuto; revisione 1354184932, consultata il 2026-10-31T08:37:57.566Z tramite l'API ufficiale di Wikipedia. Impronta SHA-256 dell'estratto: da3a05b3c0fd22c85a2114556a347feb2e035d79667efdcc53dd2e567b39ab47