Any loan will affect one's credit score. It will impact regardless of how the loan is received. Information can be found on various websites to calculate.
Here is an excellent guide to outline how loans might affect your credit score. http://www.moneysavingexpert.com/loans/credit-rating-credit-score It also offers a Credit Checker tool which could prove very useful.
Yes, Italy does have credit scores. These scores are used by financial institutions to assess an individual's creditworthiness when applying for loans or credit cards.
There are organisations who will help individuals check their Credit Report and Credit Scores. These profiles affect peoples ability to secure finance including Auto loans. A number of online providers are making it easier to for people with bad credit ratings to get the financing they need. However, often these organisations have hefty commission fees and very high interest rates.
No. Your credit score is always your own. Your spouse's credit does not affect yours (and vice-versa) unless you apply for credit jointly. However, even if you are extended credit jointly, any late payments or defaulted loans appear on each of your credit scores, and affects your credit scores individually.
Subsidized loans will affect your credit score negatively if you are not paying them. If you are paying them, they will have a positive effect on your score.
One can compare unsecured bad credit loans online by looking for the website Personal Loans For Bad Credit. There are other sites out there, but this site can do the comparisons of bad credit loans.
Credit card scores are used by many companies involved in the financial sector. These involve companies that give loans which use credit scores to assess whether you qualify for a loan.
If your credit score is low, it can affect you renting a home, getting loans, or even getting a job. usually having many credit cards, or having credit card debt, can make you have low score. xD SWAG
It may not always be easy to find a company which offers loans to people with bad credit scores. However, it is not impossible. Mortgage Credit Problems, E-Loan and Ameriquest Mortgage Co. offer loans to people with bad credit scores and have received good customer feedback.
Credit scores are effected by many factors. One of the factors is how much debt you have in comparison to your income ratio. A high volume of debt, perhaps from an instant loan, when you have a low income, will negatively impact your credit.
Yes, your credit score does affect the loans you are able to receive. The better your credit score, the better of an interest rate you will get.
It does not affect them.