What is a uniform law adopted by all states that facilitates business transactions?

Having a long credit that will be corrected is better that a short credit that is clear is simply because with long credit history, a prospective lender can see how you have operated your credit facility over a considerable period. nobody's credit history is perfect - everyone has at least 1 or 2 lapses on their record. have short history of your credit doesn't show patterns or trends of persistent late payments.

Answer2nd gear; ok the book says to use 2nd gear, but i say the lowest gear that would be 1st gear, but go with what the book said to do good luck