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Building a good credit history is easy, but getting credit is easier said than done. Most lenders investigate your credit history before you are qualified for a loan. They don't want the risk of loaning you some money if you don't have a good credit record, and having a good credit record is very important in our society right now. This is a society where we use credit cards in almost everything, from purchasing a car, building your home, paying your medical bills, buying your foods, etc.