The staff of the credit bureau is often asked what a good credit history is. One may think that lenders favor those who never had a loan, leasing or credit card, and never delayed payments to service providers, hence their credit history is empty. Yet the lenders‘ approach is different. On the one hand, an empty credit record may indicate that you did not need to borrow or buy on a lease in the past. On the other hand, who is more trustworthy: a client who repaid his lease or loan in time or a person who never had any financial obligations?