A record of the good, bad and ugly pertaining to an individual or a company’s financial history. This is always looked at when you apply for a mortgage as it is used to determine the risk of lending you the money. If you are less likely to default on a mortgage, due to your credit history, you may get a lower rate of mortgage. If your record is poor, they may choose not to lend to you at all.
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Real estate agents are a dime a dozen, but the right agent is priceless.
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