In order for researchers to be able to say that variable a causes variable b, they must eliminate the possible influence of

In order for researchers to be able to say that variable a causes variable b, they must eliminate the possible influence of "confounding variables."

A confounding variable is an outside impact that progressions the impact of a reliant and autonomous variable. This incidental impact is utilized to impact the result of an exploratory plan. Basically, a confounding variable is an additional variable went into the condition that was not represented. Confounding variables can destroy a test and create futile outcomes. They recommend that there are relationships when there truly are most certainly not. In an examination, the autonomous variable by and large affects the dependent variable.  

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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.