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1) You have what's called a "Thin credit profile" It refers to situations where individuals have limited or insufficient credit history to generate a credit score. (Has less than 5 accounts reporting to the credit bureaus. In the US, around 6.2 million Americans fall into this category, according to recent estimates. This can occur due to several reasons such as having never taken out a loan or a credit card, being new to the credit system, or having limited credit activity. Having a thin credit profile can make it challenging for individuals to access credit, as lenders may perceive them as higher risk due to the lack of information available. To avoid this situation, it is essential for individuals to start building credit early on, even if it's with a small amount, to establish a solid credit history and avoid difficulties in accessing credit later on. 

 2) You are trying to repair your credit...IT IS EXTREMEMLY DIFFICULT TO GET NEW CREDIT WHEN YOU HAVE MAJOR DEROGATORY INFORMATION ON YOUR CREDIT REPORTS (i.e COLLECTIONS/CHARGEOFFS) Building positive credit is equally as important as removing negative items from credit reports when it comes to improving one's credit score. While removing negative items can certainly help to improve a credit score, it's not enough on its own. Lenders look at various factors when assessing creditworthiness, and having a strong credit history with a record of on-time payments and low credit utilization is a crucial part of that assessment. Therefore, it's essential to build positive credit by making on-time payments, keeping credit utilization low, and using credit responsibly. By doing so, individuals can establish a solid credit history that demonstrates their creditworthiness to lenders. Ultimately, building positive credit is an ongoing process that requires consistent effort, but it can pay off in the form of better access to credit, lower interest rates, and more favorable terms on loans and credit cards.