As an alternative of checking your credit score historical past, lenders examine your skill to repay the loan. On-line loans are nonetheless loans. Trust me…The system works in case you deal with your lenders the way you'd prefer to be handled your self…Pay your bills on time…Use credit score wisely…It is an excellent instrument and a trusty servant…But it surely makes for a terrible grasp if you let it get one of the best of you.