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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
Credit card numbers - when to keep them private and why. (PDF file)
 

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Date last updated: 07/15/2002
Technical issues contact: jvohsman@iastate.edu


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