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2. Credit history - Wikipedia

   en.wikipedia.org/wiki/Credit_history

   Adverse credit history, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history, and bad credit history, is a negative credit rating. A negative credit rating is often considered undesirable to lenders and other extenders of credit for the purposes of loaning money or capital. [9]

3. How your mortgage affects your credit score - AOL

   www.aol.com/finance/mortgage-affects-credit...

   Payment history: Your payment history is the most significant factor in your FICO score. When you apply for new credit, lenders typically look at your last two years’ worth of payments.

4. How credit inquiries affect your credit score - AOL

   www.aol.com/finance/credit-inquiries-affect...

   Any time you pull your credit file from Experian, TransUnion or Equifax to assess your credit history or dispute credit report errors, it counts as a soft inquiry and won’t affect your credit ...

5. How to buy a house with bad credit - AOL

   www.aol.com/finance/buy-house-bad-credit...

   Here’s an estimate of how much bad credit might potentially cost you if a lender charged you a higher interest rate on a 30-year, fixed-rate mortgage of $350,000 due to a poor FICO Score: FICO Score

6. 8 ways to refinance a mortgage with bad credit - AOL

   www.aol.com/finance/7-ways-refinance-mortgage...

   Credit score impact: Mortgage lenders conduct a hard inquiry on your profile as part of reviewing your application (depending on which program you apply for), which causes your score to decline ...

7. Fair Credit Reporting Act - Wikipedia

   en.wikipedia.org/wiki/Fair_Credit_Reporting_Act

   Before standardization of credit scoring, statements of character were integral to credit reports well into the 1960s. [3] With credit reports containing probing details about personality, habits, and health, in the hearings on the Fair Credit Reporting Act lawmakers were troubled that individuals were helpless to clear up errors.