In case you need money so that to rent a flat just check out Bestonlineloans https://bestonlineloans.lk/housing-loan/.

The credit history is affected by:

delay of up to 7 days - practically does not affect the rating of the borrower;
delay of payment for 10-30 days - “spoiled” credit history;
a delay of 1-3 months - the borrower refuses to pay the loan;
unsecured loans - few financial institutions are willing to lend money in order to close a previous loan.