Suppose that an appraiser has just completed her analysis using the cost approach to valuation. She has determined that the reproduction cost of the building is $370,000 and accrueddepreciation amount is $50,000. When the land value is $80,000, what is the market value of thesubject property

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credit history is used by lenders to determine whether you are a 'risky' person to give their money to.

having a short history provide very little data for the lenders. they wouldn't be able to determine your credit behavior from such a small samples. even if they are perfect.

having long credit history with few blemishes provide larger and more accurate data for the lenders to predict your credit behavior.