Share your insights or perspective on the financial matter presented in the input.

Can you explain why these items are considered negatives on my credit report?
I'm going to give the succinct, plain language version of the answers:  1.    Your oldest active credit agreement is not very old You don't have much experience or history for me to base my analysis on -- how do I know I can trust you to pay back the money? 2.    You have no active credit card accounts Other people haven't trusted you with credit or you haven't trusted yourself with credit and there's no active good behavior of paying credit cards on time -- you want me to be the first one to go out on a limb and loan you money? How do I know I can trust you to pay back the money?