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by JumpCrisscross 1549 days ago
> if a person is responsible and chooses not to open a credit line, then their credit is considered bad, and banks would consider them risky

If you have zero credit history, yes, you are risky because what's unknown (including to you) is how your personality interacts with debt and what's known is that you have zero experience managing debt.

1 comments

Please read my response to the other comment.