Andy’s subordinates say that they love working for Andy because he inspires them to not only believe in the organization but to believe in their own potential as well. Based on this example, Andy can best be described as what type of leader?

Transformational Leader

Explanation:

A transformational leader is someone who inspires and motivates employees to be innovative and create change to help achieve overall success of the business. The leader will encourage workplace ownership and independence in order to make employees feel like they are trusted and their ideas are valuable.

Instead of micromanaging, transformational leaders tend to delegate work. This is done by allowing workers to be creative, take authority, learn from mistakes and find their own solutions to problems than being told what to do.

When such mentoring and training is done, employees not only feel a sense of belongingness and trust in the workplace but are able to feel a sense of achievement, accomplishment and boost in self-esteem.

answerall of the above;

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.