You can and may have a credit record and not even know it.
Every time a person or business asks about your credit history, they have made a "credit inquiry" and that inquiry becomes part of your credit record.
Nearly every time you apply for a product or service that you will use and pay for at the end of the month, like cable or telephone service, or apartment rental, the supplier of that product or service will make a credit inquiry.
They will decide whether or not to risk doing business with you now, on the basis of how reliably you have kept your past promises to pay.
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