吃惊吧。不是几百万，而是大约五千万啊。

There are roughly 50 million adults in the United States who operate outside the credit mainstream*. They have no checking account and no credit file whatsoever.



Many never had a credit card; never took out a mortgage; never had a student loan; never paid a car note. Nothing.



Granted, a lot of these individuals are potential newbies to the credit world – maybe they’re students, widows, recent immigrants, and so on.



For whatever reason, they’ve not gotten around to even applying yet for credit. However, a sizeable portion of these people have also consciously chosen not to participate in the credit system.