What is Credit?

Credit is when a lender grants a customer a good or service without a full, immediate reimbursement to the lender. Instead of the full reimbursement, the customer and the lender agree that the customer will repay the lender in the future.

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Basics of Credit

Credit is a financial concept involving the access to funds. This can be applied to businesses and individuals alike. These days, it is rare to be self-sufficient. Businesses and individuals buy resources and assets to meet their needs.

Learn more about the basic factors affecting Credit


Credit Score

Your credit score is determined based on how responsibly you have managed your credit in the past. If you have done a poor job managing your credit, you will have bad credit.

Zinu Credit Repair can help you out rebuild credit


Bad Credit

Bad Credit is a term usually referring to having a low credit score, meaning having “bad credit.”. Credit worthiness is an assessment done by a potential lender for the likelihood that a loan will be repaid as agreed.

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