"Many liberal lenders can give you a bad reputation. However, the lender must be responsible for maintaining a good reputation. On the other hand, in some unforeseen circumstances, it may not always be possible to maintain a good credit history, but there is still a payment history that you need to show to your own lender in order to gain their trust. Therefore, there are a few things to consider before filing a bad reputation claim:

- Pay off your credit card debt - Get a general loan with all members of your family who have a good credit rating. - Pay current bills with a debit card instead of a credit card. - Do not close all your old bank accounts before applying for a loan. - Try to cover all your needs with one loan.

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