If you need to borrow money, you can go to a place like a bank or a credit union. You will have to fill out an application and from there, they will check your credit history.

When they look at your credit history, they are determining whether or not:

• if you will get a loan
• how much you will pay for the loan

If you have poor credit history or no history at all, you may be denied the loan. In that case, you should work on improving your credit first, so you can get the loan. A few ways to do this is through:

• Applying for a store loan
• Getting a secured loan