Having bad credit can be quite a deterrent, especially if you are looking to take up a loan. You might either have to pay higher interest rates, or risk having your loan application rejected.
To check if you have bad credit, you can request for your credit report. You can request for your credit report through the:
This credit report will contain your credit score, ranging from 1000 to 2000, which will indicate whether you have good or bad credit. The higher the credit score, the better the credit rating.
Read also: How Do I Get My Credit Report