Credit History
A credit history is a record of an individual's or business's credit activity, including information about their borrowing and repayment habits. This history is used by lenders to assess a borrower's creditworthiness, or their ability to repay a loan. Continue Reading Below
Encyclopedia Articles
Discover the definition of financial terms related to credit history.

Underwriting Standards: Definition, Implementation, and Real-world Examples
SuperMoney Team

Understanding Creditors: Roles and Consequences When Creditors Aren't Paid
Silas Bamigbola

What Is a Credit Limit? How It's Set, How It Affects Your Credit Score
Andrew Latham

Revolving Credit Explained: How It Works, Types, and Examples
SuperMoney Team

What Is a Credit Inquiry? Hard vs. Soft Pulls Explained
Andrew Latham

Credit Scoring: Definition, Working, and Real-Life Examples
SuperMoney Team

Pre-Approval: What It Is, How It Works, and Why It Matters
Andrew Latham

What Is Credit Mix? How Account Diversity Affects Your Credit Score
Andrew Latham

What Is Credit Utilization? How It Affects Your Credit Score and How to Lower It
Andrew Latham
Balance Transfer: Definition, How It Works, and Key Terms
Andrew Latham
Learn About Credit History

Payday Loan Alternatives: Can They Help Improve Your Credit Score?
Andrew Latham

My Car Loan Was Charged Off But I Still Have The Car
Benjamin Locke

What Is The Max Credit Score You Can Achieve?
Benjamin Locke

When Were Credit Scores Invented?
Benjamin Locke

Credit Saint Vs Lexington Law Comparison 2026 Update
Benjamin Locke

NetCredit vs CreditNinja: Which Bad Credit Loan Is the Better Choice?
Andrew Latham

CreditNinja vs OppLoans: Which Lender Is Right for You?
Andrew Latham

Annual Income For Credit Card Applications: (2026 Playbook)
Benjamin Locke

How Long Do Closed Accounts Stay on Your Credit Report?
Andrew Latham

How Long Do Credit Inquiries Stay on Your Credit Report (and How Many Points Will It Cost You)?
Lacey Stark

How Long Do Collections Stay on Your Credit Report?
Andrew Latham

How Long Does a Charge-Off Stay on Your Credit Report?
Andrew Latham

How Long Do Late Payments Stay on Your Credit Report?
Andrew Latham

What Happens If You Don't Pay Medical Bills?
Andrew Latham

How to Remove CBSI Collections from Your Report, 2026
Silas Bamigbola

California Debt Relief Guide 2026
Lacey Stark