If you have used credit before, such as by having a, credit card, student loan, or mortgage with a financial institution, then you probably have credit history. Even if you haven’t had one of these products, you might still have credit history. Most bureaus will list accounts on which you are an “authorized user” on your credit file as well. What this means is that if you have a joint account with family members, then you may have a credit history!

Did this answer your question?