Good credit records of individuals to the greatest advantage is that the accumulation of personal wealth credibility. In general, in order to guarantee their loans, banks only provide you with sufficient collateral for the loan only after you may have. If you have a good credit record can make you believe that the bank will repay on time, even if you can not provide collateral material, the bank will give you the loan. As a result, a good credit history as the "reputation collateral", to help you get bank loans.
In addition, a good credit history will enable you to enjoy the benefits of financial services, bank loans in the size, duration and interest rates as a result of change and think there will be a certain degree of flexibility and preferential treatment.
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