Maye Delk: It means that you do not have a long enough history of paying bills on time - like a credit card or car loan.
Warren Kotter: it means that you dont have any credit like when i went to go get a phone from att they said i have insufficient credit my credit wasnt good or bad i just hadnt ever had any credit cards or loans so they didnt know if i was a credit risk or not the way to fix that is to get 1 credit card no more than that and use it instead of cash or your debit card then pay it off in full every month that will make your credit score high and good really fast
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