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 a fact about what this person is doing ?
Answer: They are advising someone about their credit history .They are trying to build someone 's credit history .They are interfering with someone 's credit history .None of the above choices .