Credit history in business plan

Since any serious lenders would check your credit rating first as part of their due diligence, address credit issues in your plan.

Moreover, this is a business plan, not an advertisement. Stating problems shows you're facing the truth. It may set potential lenders and investors at ease. Finally, by including your credit challenges in your business plan, you can state them clearly and describe your plan to correct them. Include a commentary on how past problems have specifically been addressed and are no longer an issue.