Tough economic conditions and ups and downs of life prove a great hindrance in maintaining your credit history. Sometimes, even sincere intentions are not enough to manage your credit score. You always thought of repaying your loans in time to keep your social image and credit history in a good state but due to one thing or another you missed a couple of repayments and now your have a dented credit score. Currently you are looking for mortgage loans but the lenders turn down your loan application because of poor credit history. Don