What is a credit history and how to improve it?
Answer
Credit history is a record of all your loans, payments, delinquencies. Check: free twice a year via Gosuslugi or BKI (NBKI, Equifax, OKB). Improve: pay off delinquencies, pay on time, do not submit many applications at once, close unused cards, take a small loan and repay it without delays.
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