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Why is the loan company loan check credit score? They want to predict that if the borrower is used to repay the loan in time ever, so this time too, he will repay the loan on time. Their predictions may be wrong, because nothing is certain in the world. Borrowers with loans for people with bad credit could pay the debt over time and the borrower has good credit may delay their payments. Because everything has a beginning and therefore, everything can start at any time. The borrower can defer payments at any time and this gave birth to the beginning of a bad credit rating. After the loan no credit check signature loans for people with evil comes into existence.