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 ?
Answer: The person is applying for a credit line .They person needs to get a line of credit .The person is worried about why they have no credit .None of the above choices .