Iowa State University Extension: Iowa Concern
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If I don’t have a credit card, do I have a credit history?

Most likely, yes.  Your credit history is a record of your bill-paying history.  So if you have ever paid on a car loan, paid on a student loan or home mortgage, you have a credit history. 

 


Author: Margaret VanGinkel, vangin@iastate.edu
Related Information:
Protecting Consumer Privacy: Credit Card Numbers [http://www.extension.iastate.edu/Publications/PM1724.pdf]
Credit card numbers - when to keep them private and why. (PDF file)
 
  
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