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When people take loans and make personal purchases they usually forget that this process is a test of an individual’s financial integrity. Normally, it feels good to drive a car bought on credit or even own a house, but the lenders do not care about how one feels, what they care about is how and when one will pay for what they took on credit. 

The failure to repay the loan borrowed or settle a credit card is what equals credit risk. The amount of debt has one of the biggest impacts on an individual’s credit score. Financial institutions judge borrowers based on credit score and having bad credit is a terrible experience for anyone.

Normally, with a bad credit score, the probability of default assigned to an individual is high and if granted a loan or credit card one will most likely default. To cover for such risks the lenders charge higher interest rates to make borrowers with bad credit pay for the credit risk. Therefore, if approved to take a loan with a bad credit one will pay more interest than would have if you he or she had a good credit rating. 

Many creditors are only willing to offer loan to borrowers with good credit rating. When your credit rating is below expected limits, they will not offer you a loan even if you are willing to accept their high-interest rates. The cost of band credit is therefore immense and the lower it goes, the harder it becomes to find a willing lender. 

Not all lenders use the same policies to give credit, but the common policy that connects them all is that low credit rating attracts higher interests. When applying for loan lenders run your credit history through and automatically disqualify applicants with lower credit scores. They do so because they believe that such borrowers will likely make untimely repayments, default payments, run bankrupt and have the company run into bad debts, and so forth.