Answer:
Your successful payments on paid off loans are still part of your credit history, but they won't have the same impact on your score. When you added a personal loan to your credit history, you increased your number of active accounts and improved your credit mix with an installment loan.
Explanation:
They need the warrant so that the citizen is sure that they are police, and because without one, it would technically be trespassing.
An expansion of credit and speculation.
