Many times, people's credit scores are not as good as they would like to. This may be related to lake of information when young, bad financial moves or simply to bad luck.
No matter which the motive was, a bad financial step will leave a mark into a credit history that may happen to ruin any person's future plans. Bad records remain on a credit report for up to 7 years, this does not necessarily mean that you will have to wait for 7 years to apply for any financial product but you may find some restrictions in your way.
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