The friend of mine has difficulties in building good credit history. She wants to build a solid one but it is not so easy for her as I understand. She is absent-minded. I know her for 15 years and as I remember she was always forgetful. I thought that when it comes to money, people can change but looking at her and her attempts to build a history I was mistaken thinking so (LOL). She just forgets her due date to make payments and so sometimes is late. How could it be? It is beyond me. It is a little bit funny talking about such unusual cases. Now we all try to remind her about her credit payments every months, just in case, and hope that she will be a success.