??????????? ??????? ?????????? ??? ???????????? ??? ????? ??? ??????? ????????????? ??????? ??????? ???????????? ???????????? ????? ?????? ???? ???????? ?????????? ?????? ????????? ????? ?????? ????????????? ??????? ???????????????? ???, ??????????????:??? ??? ????? ?????? ????? credit history report??????????????? ????????????? ?????? ???????