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TeachMeFinance.com - explain Credit History Credit history -- history of an individual's debt payment; lenders use this information to gouge a potential borrower's ability to repay a loan. another definition... Credit History -- The history of an individual's debt repayment. For most types of loans, lenders use this information to gauge a potential borrower's ability to repay a loan. About the author Mark McCracken Author: Mark McCracken is a corporate trainer and author living in Higashi Osaka, Japan. He is the author of thousands of online articles as well as the Business English textbook, "25 Business Skills in English". Copyright © 2005 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.