如果是因为过去的信用问题使得个人无法获得贷款，那对方对于债权人的义务又有几分认真？进一步来说，对你又有几分认真呢？
If past credit problems makes getting a loan on their own impossible, that may very well be a portent of how seriously (or not) they treat their responsibility to creditors and, by extension, you.
这些公司收集个人所有信贷使用记录，包括账单支付，抵押贷款和信用卡。
The companies collect a history of all credit use by an individual, including payment of bills, mortgages, and credit CARDS.
但是在最近几年里，数百万贫穷、有欠款危险或者信用值不够的个人得到了抵押贷款，现在，他们中的许多人已经或即将无法偿还贷款。
But recent years have seen mortgage loans made to millions of individuals with poor, risky, or insufficient credit - many of whom have either defaulted on the loans or are at risk of doing so.
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