All the aforementioned points are summarized in what is ultimately called Good Lender , which is a rating given to you to determine what your grade will be at the end of the month.
High debt ratio
Each of the points mentioned above has a different weighting, for example, it is more delicate for your record that you have arrears in your account to have a high debt ratio, both are delicate, but arrears can affect your rating more at the end of the month.
Bad financial note
Having a good credit history is very important, sometimes people believe that if the bank called them to collect and they said they paid later and that is what remained there and that is not the case, if the person does not faithfully fulfill the commitment I arrive at With the financial institution, the default will be reflected in your record and as a result you will have a bad financial note.
Free credit history
There are institutions like Good Finance that provide the service via web to see our free credit history once every 3 months. Good Finance has the option of giving you more detailed information about it, but you have to call and request it and they will tell you what day you can pick it up.