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 in which divorce was deemed not likely, but did transpire, had been 6% less likely than small children of non-divorced mother and father to graduate from hi