If past credit problems makes getting a loan on their own impossible, that may very well be a portent of how seriously (or not) they treat their responsibility to creditors and, by extension, you.
如果是因为过去的信用问题使得个人无法获得贷款，那对方对于债权人的义务又有几分认真？进一步来说，对你又有几分认真呢？
I think a credit instrument is a written evidence of the extension of a loan.
我认为信用工具就是发放贷款的书面证明。
I think a credit instrument is a written evidence of the extension of a loan.
我认为信用工具就是发放贷款的书面证明。
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