What might you expect to find out about people who are described as credit risks?

A credit risk is someone a lender considers more likely to fail to repay a loan as agreed. A history of missing or making late payments is evidence of that risk, so the correct choice is “They have a history of not making their payments on time.” Credit risks may have a harder time getting loans or face higher interest rates, not easier approval or especially low rates.

AI-written and checked against the verified answer.