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 trying to build someone 's credit history .They are giving someone advice about their credit history .They are interfering with someone 's credit history .None of the above choices .