>If you have income and have and pay any recurring bills (even utilities, etc.) you have credit to exploit; I was always told this was true, but I waited for y

>If you have income and have and pay any recurring bills (even utilities, etc.) you have credit to exploit; I was always told this was true, but I waited for years to finally get a credit card or try to apply for a loan. Everyone informed me I had ZERO credit history, despite paying apartment and utility bills for years. I don't have any explanation for why this is true, except that I started my credit from scratch in my late-20s.