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If you have a good credit history, you will be able to get better interest rates on car loans or mortgages.

False

True

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Answered by GPT-5 mini AI
True.

A good credit history shows lenders you're likely to repay on time, so they typically offer lower interest rates and better terms on car loans, mortgages, and other credit. Other factors (income, debt-to-income ratio, loan size, market rates) also affect the rate.