Read the sentence.

In addition to checking and savings accounts, many banks offer other services that assist customers in using and managing their money wisely.

What are some of the services that customers may use?

direct deposit, mutual funds, and online banking
payday loans, certificates of deposit, and online bill pay
mortgage, insurance, and stocks
financial management, student loans, and title loans

answer; dogs;

credit history is used by lenders to determine whether you are a 'risky' person to give their money to.

having a short history provide very little data for the lenders. they wouldn't be able to determine your credit behavior from such a small samples. even if they are perfect.

having long credit history with few blemishes provide larger and more accurate data for the lenders to predict your credit behavior.