Without a good credit history…
You are correct!
The correct answer is ALL OF THE ABOVE.
It’s very important to have a good credit history! Otherwise, lenders may refuse to give you a loan or mortgage, or they may charge you a higher interest rate for it. A poor credit history can affect your life in other ways, too. For example, landlords may be able to find out your credit history and may prevent you from getting a lease on an apartment.