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If you have any kind of financial black marks against your name then you will find it significantly harder to get a loan. Whenever you apply for a loan the lender will carry out a series of credit checks to ascertain your credit history and your current financial status. There are various factors that contribute to a poor credit history and they range in severity depending on their frequency and chronology. One black mark on your record may not be enough to stop you from getting a loan but a combination of them will make things very difficult, though not impossible. So what exactly contributes toward bad credit? Mortgage arrears are the most common occurrence and represent missed, late or under-paid mortgage payments. private grad school loans stafford direct loans pay of student loans grants las vegas loan consolidation