> If you have income and have and pay any recurring bills (even utilities, etc.) you have credit to exploit; None of the three major bureaus track any of this

> If you have income and have and pay any recurring bills (even utilities, etc.) you have credit to exploit; None of the three major bureaus track any of this information, so in practical terms they do not factor into a credit history. Income is not collected by itself and placed on a credit report. It's not a weak credit history but non-existent.