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How important is a company's or individual's record of past borrowing and repaying, late payments and bankruptcy or in short its "credit reputation? If you are a company or an individual who wants to apply for bank loan or credit card it is very much important. The back and loan companies would be able to assess your "credit worthiness" through your credit history. It is also very essential that you yourself knows about your own credit history. Lenders would like to see a creditor who pays his dues on time. The credit history as well as running credit score of a debtor will also help in determining your credit rating whether high or low. Running credit score will

Aside from simply being informed it is also important to know your credit history to help protect yourself from being victimized identity thieves. Identity thieves are people who pretend to be someone else in order to steal money or get other benefits. Once there is an unauthorized charge under one of your credit card or transactions done under your name which you have not given permission be very wary. This fats can only be detected if you check your credit history regularly.

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