Answer:
B. The fact that I am a good person.
Explanation:
Credit history refers to a person's track record in borrowing and repayments of loans. It shows whether the individual has honored their debts in full and on time. Credit history is useful when applying for a loan from formal institutional lenders.
A bad credit history shows a person had issues in paying their loans. It affects their future borrowing as lenders may assess them as high-risk customers. Bad credit history attracts high-interest rates. Employers may judge some persons as poor money managers hence avoid hiring them.
Bad credit history is about debt payment but not who the person really is. Inability to repay loans may be caused by several factors such as illness or loss of income. A person's character remains the same regardless of their credit history.
