The security posture of an organization is usually expressed in terms of which generally refers to how much risk an organization is willing to accept to achieve its goal, and which relates how much variance in the process an organization will accept.

the answerr would be 1

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.