It’s a fact of financial life that if you want to borrow money, your lender will look at information about your credit habits before deciding how to price the loan.
If you’re a good risk, you won’t have to pay as much interest for the privilege of borrowing. If you’ve been a credit screw-up, expect a lender to charge you more. That’s only fair, not only to the lender but to other borrowers the lender serves. It wouldn’t be right to expect responsible borrowers to subsidize careless borrowers.
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