The VARP function calculates the variance of a population. If the worksheet range holds the values 1, 4, 8, 9 and 11 the function returns the standard deviation value 13.04. The VARP function lets you include up to 255 arguments as inputs; the arguments can be values, cell references, formulas, and range references.
Bad credit means possibly being denied a loan or can result in being charged higher interest rates. This is because the amount of interest you pay is based on your level of risk and the current market rate. The worse your credit is, the higher your level of risk is and the higher your interest rates will be.
1 Never having a credit card â You wouldnât think this would negatively affect your score, but having a credit card (and paying it off on time) is one of the fastest ways to build credit. 2  Therefore, conversely, not having a credit card means that you havenât probably done much to build your credit. Any late payment can negatively affect your credit score because theyâre all reported, and it shows that you are unreliable, forgetful, or living paycheck to paycheck. 2  All of that spells âbad investment, run awayâ to credit companies and other lenders. 3  Itâs not fair, but themâs the breaks. 4  Have no fear, though.