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There can be no credit history only under one condition - a person has never borrowed before. On the one hand, this is good, which means that there are no debts in other financial organizations page, but on the other hand, the company simply does not know what to expect from this client. Even a poor credit rating is an indicator, but what if there is none at all? In such a situation, it is best to take express microloans where the credit history is a gift and only then, after receiving the cherished record, you can go to the organization that you liked from the very beginning.