Based on the context and the answer, generate a question. 

Context: Maybe you pay all your bills with cash , maybe you?re a student , maybe you have never needed a loan for anything . All this will have an effect on your history . Don?t be upset ... if you?re like most people you will get a credit history far sooner than later .

Answer:

The person does n't have a credit history .



What may be the reason for this advice ?