<prompt> Human: Little backstory:Went into the bank to get an auto loan for a motorcycle. Was told I had absolutely NO credit. Learned any bills I pay dont count...thats fine. I dispute that I had a credit card for over a year which I payed on time every month. I cancelled it in may 2011. My credit shows it exists but I still have NO credit. Is this standard procedure or did I get fucked by my credit union which promised me this would help build my credit.Im frustrated and annoyed since Im having to buy this bike cash.  <response>: I cancelled it in may 2011.What did you do that for? Now you have no open credit accounts, your length of credit history is 0, and your average account age is also 0. Edit: What Im saying is nobody cares that you once had an active credit card. Whats important is that you currently have one. 