At one point you had credit, and could get more when you need it. But then you checked out of the credit system for awhile. Perhaps it was a move overseas, a stint in prison, or a marriage to someone who kept credit accounts in their name only.
Whatever the reason, you now find your credit record has, for all intents and purposes, disappeared. You feel like you’ve become invisible to lenders, a ghost in the world of credit, if you will.
How do you get back into the land of the living?