Building Credit without any Credit Rating& A+ Scholar Checking Generally in most nations and institutions, getting credit requires one to have a credit history that is existing. Nevertheless, this will perhaps not discourage you as there is certainly a number of proven workarounds for this situation. First, why don’t we review just how major credit reporting agencies view individuals who have perhaps perhaps maybe not utilized credit yet or all those who have tried it only some times over a period that is significant. They will have classified these kinds of credit users as either ‘credit hidden’ or ‘unscorable’. The ‘unscorable’ relates to anyone who has sporadically utilized a charge card and paid down some loan years back.