Hello, absolutely all financial organizations check information on a potential client. At the time of filing, the automatic system checks the borrower's data (including credit history). They can refuse a loan online, based on a problematic credit history. But only if the client took a lot of loans at once from several organizations, and they are overdue. With a problematic credit history, the bank will refuse with a 90% probability. However, Centennial Funding approves loans to customers even with bad credit history.