Even if you have had a credit history previously, you may have no history now if you have not used credit in a long time. So, having no credit history is not an issue specific to new credit users. Building a credit profile can be stressful when you have not used credit in a long time. You do not want to do anything to impact your credit negatively. However, you have to use credit to get a score. When a bank looks at your credit profile and sees that you have not used credit, they are less likely to lend to you than if they see that you have a 'thin credit profile.'