“one of our longstanding cross-functional teams is being led by ingrid. she is very knowledgeable and highly organized, so we would like to keep her in a leadership role. however, when there is disagreement on the team, she puts forward her ideas very emphatically and flatly rejects other team members’ contributions. everyone on the team needs to buy in to the final decision so they work hard to implement it. what guidance should i give ingrid? ”

answer; be sure that the information on file is correct;

credit history is used by lenders to determine whether you are a 'risky' person to give their money to.

having a short history provide very little data for the lenders. they wouldn't be able to determine your credit behavior from such a small samples. even if they are perfect.

having long credit history with few blemishes provide larger and more accurate data for the lenders to predict your credit behavior.