who first identified cyclical patterns in the economy and created what is often referred to as ""the business cycle""?

Having a long credit that will be corrected is better that a short credit that is clear is simply because with long credit history, a prospective lender can see how you have operated your credit facility over a considerable period. nobody's credit history is perfect - everyone has at least 1 or 2 lapses on their record. have short history of your credit doesn't show patterns or trends of persistent late payments.

If a huge trend is in place and a company does not take part in it or speak about it they might be criticized for their lack of corporate  social responsibility.  hope this you!

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