Task: Question Answering
Input (English): Context: Maybe you pay all your bills with cash , maybe you?re a student , maybe you have never needed a loan for anything . All this will have an effect on your history . Don?t be upset ... if you?re like most people you will get a credit history far sooner than later . 
Question: What may be the reason for this advice ?
Output (English): The person does n't have a credit history .