Dont understand the point or purpose of a credit check! Do I pay my bills? Yes always! But I never asked for credit or had a credit card and I am 68. They tell me I have no credit and cant even get a cell phone plan! I never owed a dime and have a lucious banque account where I can pay my bill online in 2 minutes. But they say no! My family all lives in Ukraine and I cannot call anyone or get calls becsuse my little 15$ a month prepaid plan expired with 3 heart attacks and 2 surgeries in a month. They wont extend me a 15$ credit and I could pay double when I come home. What is the problem here? An almost dying old man is cut off from his family for 15 buck loan on credit? The family probably thinks I died.