Bad credit history不良的信用记录

Bad credit loan 信用不良贷款

The history of your credit is a record which reflects all your previous financial obligations and the total load of your debt.历史上您的信用卡是一个纪录，这反映了您先前所有的财政义务和总负荷您的债务。 Agencies of credit reference utilize this record in order for them to assess if you are worthy of being offered a loan.机构的信贷资料库，利用此记录，以便于他们评估如果您是值得所提供的贷款。 You will also be assigned with a credit score based on the history of your credit.你也将被指派一个信用评分的基础上的历史，您的信用卡。 Your lender is going to utilize this credit score to assess if he should underwrite a loan for you or not.您的贷款人是要利用这个信用评分，以评估，如果他应该承担的贷款为您或没有。

You may get a bad history of credit when you make late payments, when you miss out a payment, when there is a default on your debt or when there is failure to fulfill a commitment or contract on finances.您可能会收到一个坏的历史，信贷当您作出延迟付款，当你错过了付款时，有一个预设的对您的债务，或当有未能履行承诺或合同上的财政状况。 The more your bad history of credits pile, the more likely it is that you are not going to get a loan.更坏的历史，您的信用桩，越有可能是你不打算在获得贷款。 Another factor that could mar the report of your credit is the constant change of your address or employment.另一个因素可能三月的报告，您的信用是不断变化，您的地址或就业。 If you think that you will not be able to get a loan because of your bad credit, then you are wrong.如果您认为您将无法获得贷款，因为您的信用不良者，那么你就错了。 Fortunately, there are lenders who provide loans to borrowers with a bad history of credit.所幸的是，有放款谁提供贷款，借款人与一个坏的历史的功劳。 This kind of loan is called a bad credit loan.这种贷款是所谓的一个坏的信用贷款。 With a bad credit loan, the chances are, you are likely to settle a higher rate of interest compared to a borrower with a reputable history of credit.与一个坏信用贷款，有机会，您很可能会定居较高的利息率相比，借款人与一个有信誉的历史的功劳。 Aside from high interest rates, the amount that is available for you will possibly be lower.除了高利息，金额是为您提供的，可能会比较低。 And what is more, you can redeem the history of your bad credit once you obtain a bad credit loan.什么是更多，您可以赎回的历史，您的信用不良者一旦你获得一个坏的信用贷款。 When you are responsible over the repayment of your bad credit loan you can enhance the score of your credit.当您负责超过还款，您的信用不良贷款，您可以提高分数的您的信用卡。

When you avail of a bad credit loan, you are offered with two alternatives which are the unsecured or secured bad credit loan.当您享受一个坏信用贷款，你所提供的与两个选择，这是无抵押或担保的不良信贷。 The secured bad credit loan, usually, includes using a property as a collateral against the loan that you will be availing.担保信用不良贷款，通常，其中包括使用知识产权作为抵押品的贷款，您会被利用。 In the case of residence owners, they use their homes as their collateral.在该案件居住的业主，他们利用他们的家园，成为他们的抵押品。 Your lender will ascertain the amount of your bad credit loan and the interest rates depending on several factors.您的贷款人将确定的数额您的信用不良贷款和利息，视乎几个因素。 These factors basically includes the worth of your house, credit score and, the total load of your credit.这些因素基本上包括价值你的房子，信用评分和，总负荷从您的信用卡。 The weighing of these factors differs with various lenders.权衡这些因素的不同，与各种贷款。 There are lenders who consider most of these factors while, there are also other lenders who do not.有放款谁考虑大多数，而这些因素，也有其他贷款人谁不。 It is essential to be aware of the criteria that each lender accepts.它是必不可少的必须知道的准则，每个贷款人接受。 On the other hand, the unsecured bad credit loan is hard to obtain.在另一方面，无担保信用不良贷款是很难取得。 It presents a risk for the lender, so he is cautious whether he should underwrite your loan or not.它提出了一种风险贷款，所以他是谨慎的，他是否应该承担您的贷款或没有。 When you badly need an unsecured bad credit loan, you can apply for one from sub-prime lenders.当你最需要的无担保信用不良贷款，您可以申请一个从小组总理放款。 They are the type of lenders who work especially with borrowers who have a bad history of credit.他们是类型的放款人谁的工作，特别是与借款人谁有一个坏的历史的功劳。

So, when you have a record of bad history in your credit, you have to remember that you can still avail of a bad credit loan.所以，当你有不良记录的历史在您的信用卡，你要记住，你仍然可以利用一个信用不良贷款。 This is your option in order for you to clear your record, as well as, get a loan.这是你的选择，为了让您能够明确您的纪录，以及，获得贷款。 With your bad credit loan, there is still hope for a new car and a redecoration of your house.与您的信用不良贷款，但仍有希望为一个新的车及一部粉饰的你的房子。

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