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.
A hard credit check is one that can negatively impact your credit score. These occur when you give a lender permission to check your credit history with the intent to open up a new line of credit. Each hard credit check can cause your score to drop by roughly 5 points and can affect your score for 6 months to a year. The hard credit pull is visible to anyone and will remain on your credit report for up to two years.