When No Credit Becomes a Problem
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This happened last month, but it stuck with me. We had this new
guy, mid-20s, super laid back, really friendly but kinda clueless
with admin stuff. HR was onboarding him and needed some documents, and apparently one
of the things got flagged because his credit history was almost nonexistent. He looked so confused,
like he didn't even know that was a thing. He kept saying, "But I've never
missed a payment," and HR had to explain that not having history is its own problem.
Then during lunch, he admitted loud enough for a few of us to hear that he avoided anything
credit-related because his parents told him "credit cards are how people ruin their lives."
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