Credit history in the US is the most important indicator for lenders in this country. In the US, people’s credit history is linked to their social security number. If you have a bad credit history or no credit history at all in the US, not only you may not be able to get a loan, you may also have problems renting an apartment, buying a phone, getting a job, credit cards, electricity connection etc. Bad marks in your credit history usually last up to seven years. I had a very low credit history, but I managed to fix it by following the method presented in the book “Yellow Letter Credit Repair System“. I highly recommend it! Establishing credit history is like the chicken and egg problem. Lenders give money to people with good credit history and established credit. However, if no one gives you credit, how can you establish credit history? You may get credit card offers in the mail. This does not necessarily mean that you will automatically get it. You still have to pass their eligibility criteria, and you may be denied. Creditworthiness must be determined based on the criteria related to your ability and willingness to repay debts. You cannot be discriminated against based on your gender, race, religion, marital status, national origin, age, or dependence on income from public assistance. So, you will definitely need the help of experts in the matter of improved credit score. In the book ‘Yellow Letter Credit Repair System’ I found so much useful information that you have never dreamed of. Well, and then everything went smoothly. I just acted in accordance with Keith Jay McGrew’s advice, and it worked for me!