hiteltörténetét
Hiteltörténet, often translated as credit history or credit report, is a detailed record of an individual's past borrowing and repayment activities. It serves as a crucial tool for lenders to assess the creditworthiness of potential borrowers. This history typically includes information about loans taken out, such as mortgages, car loans, credit cards, and personal loans, along with the amounts borrowed, repayment schedules, and whether payments were made on time.
The data for a hiteltörténet is usually collected and compiled by credit bureaus or credit information agencies.
A positive hiteltörténet, characterized by timely payments and responsible credit management, increases the likelihood of loan