No Credit History, Big Problem
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You can actually get flagged by HR for being too financially responsible. We had a new guy
start last month who almost failed onboarding because his credit history was nonexistent.
He was totally confused and kept telling HR he never missed a payment, but then he admitted
his parents taught him credit cards ruin lives, so he just avoided them entirely.
The whole break room went quiet because we all felt that. He thought he was
being smart by opting out, but having zero history is its own problem.
He’s fixing it now with a Fizz card, but it was a harsh reminder that most of us are just guessing
our way through adulthood.
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