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Those with low credit ratings often have an opposite view because they have trouble getting loans and usually get the worst terms on any type of account.
Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history.
Actual repayments will depend on your individual circumstances and interest rate changes.
Any financial judgments such as liens will appear too.
Creditors may review your credit reports or check your credit score, a three-digit number distilled by Fair Isaac Corpation from all the data.