text: A huge number of banks today are ready to provide assistance to solve most of the financial problems and needs. A loan can be obtained either by a firm or a company, or by an individual. Over the past decades, such agreements have been firmly rooted on an ongoing basis. A lot of life situations are forced to apply to the banking services of a simple man in the street, in the hope of a positive response when applying for a loan. The first, as well as subsequent similar appeals, are recorded and stored in archives for 10 years and has a name – bank, credit histories. They form the credit score of a person.