Which of these is a power DENIED to state governments?

The only example of a power DENIED to state governments would be coining and printing money. This is a power given to the U.S. Congress in Article I, Section 8 of the U.S. Constitution.

whats the

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.