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Lenders typically contemplate your credit historical past and skill to repay when deciding whether or not to approve a mortgage. They rely on your record of successfully repaying earlier loans or credit cards. If you have a low credit score rating or no credit historical past, some lenders will view you as a high-risk borrower and deny your loan utility. Getting prequalified for an auto mortgage means that you have met the lender's minimum financing requirements but have not yet utilized for the mortgage. A prequalification estimate of your loan