<prompt> Human: I tried to buy a car a few days ago, and once they found out that I had no credit, they asked me to leave in so many words. Why? The fact that Ive never needed a credit card or loan should reflect positively on my financial situation, but I got the same treatment as somebody with a low credit score. Im 24, have a full time job and I make great money. Whats the problem here?  <response>: Because youve demonstrated no ability to manage repaying borrowed money in a timely manner.Youre thus considered a giant unknown with respect to being a good risk for the business to take. 