A person's credit history shows how well that person has been able to repay debt in the past. A poor credit history makes it harder for a person to get new loans in the future.
Historia ya mkopo ya mtu inaonyesha jinsi mtu huyo ameweza kulipa deni siku za nyuma. Historia duni ya mkopo hufanya iwe vigumu kwa mtu kupata mikopo mipya katika siku zijazo.