...but anyway it's also rather self-evident if you think about it. No credit is effectively the same as bad credit: no one's going to give you a loan if you lack a credit history. To obtain a credit history, you have to use credit! LOL
P.S. I'm puzzled by why my comment above got so many downvotes..?
"Alas! I believe in the virtue of birds. And it only takes a feather for me to die laughing."