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信用記錄：借款人的信用記錄是決定貸款成數的重要因素之一。有良好信用記錄的借款人通常可以獲得較高的貸款成數。Youngsters from households where by divorce was deemed not likely, but did transpire, were 6% less likely than little ones of non-divorced mothers and fathers to graduate from highschool and