Hello, the credit history includes comprehensive information about all the borrower's loans and the discipline of their repayment. Credit organizations most often rely on a credit rating when deciding whether to lend money. This is due to the fact that the analysis of credit history takes more time for specialists and the scoring system. Therefore, in order to speed up the process of making a decision on a loan, banks and financial institutions prefer to request credit rating data. For example, apply.credit9.com does this in just a few minutes.