<prompt> Human: Were getting a new roomie in our apartment and our whole due diligence around her financial situation is credit report and score which are all ENTIRELY based on her paying off her credit cards thats my understanding anyway. Credit cards are a fairly new thing. What basis did anyone use to make leasing or loan decisions before credit cards came into such common usage?  <response>: Manual underwriting. Looking at pay stubs, tax forms, background checks, things like that. 