Why is that confusing? Your credit rating is your history of paying back your debts coupled with your total debt load. You can't prove you're good at paying back your debts if you've never done it before.
Also, note that a credit score is an indication of how desirable you are to lenders. Paying no interest on your card (balance paid in full monthly) is obviously a good habit, but not of interest to lenders necessarily.
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that's why I don't get why I have a really good credit score (I am not trying to brag, I truly do not understand this), I have never paid interest on a CC or paid late enough for it to be reported, I realized I was gonna be like 2 days late a few times, called and they would take off the fine. I am a divorced mother in my 40s, worked as a nurse (so credit score must have very little to do with income because mine was low). Had cars, mortgage, always got a low loan rate, sometimes 0% with cars. Paid everything off early. I have a bunch of cards with high limits I never used except during the promos of 0% interest for 15 months, bunch of rarely used store credit cards. I pay everything with one card just to get points, pay it off every month. What about any of that makes me a desirable credit card customer? Aren't I the opposite of what they want?
Now disabled. Got a letter from one company, they knew I had a much lower income and they were decreasing my limit. I called and complained, was going to cancel the card and somehow ended up with a higher limit than I started with. I thought, OMG, no one is ever going to give me credit again with my new income, so I called my major cards and asked to have my limit raised. And took out one more major cc with a high limit, just in case. So I have tons of credit I am not using and if I did it would be difficult to pay off. I have no idea if trying to up limits and getting a new card would actually pan out or if it is the right thing to do in that I will have lots of credit to use in an emergency.
I assumed the bureaus would get the lowdown on my new income and would massively lower my credit score, especially since I took out more lines of credit. Waited a few months, checked, it had gone up!
ok, seriously, I do not understand this