A term used to describe someone with little to no credit history Bankruptcy Annual Pe Percentage Rate (APR) Thin File High Rate Method

<p> This question asks for a term that describes someone who has little or no credit history. Experience with financial terms helps in analyzing possible answers:<br /><br />1. Bankruptcy - This refers to the legal process where a person or business that cannot repay their outstanding debts declared by someone. It does not specifically refer to having little to no credit history.<br />2. Annual Percentage Rate (APR) - This term refers to an annual rate charged for borrowing or earned through an investment, including fees.<br />3. Thin file - A credit file is the record of an individual's prior borrowing and repayments, held by potential lenders. A "thin" file is one where someone has little or no credit history — ideally matching the question.<br />4. High rate method - It is not accepted financial terminology and thus is not an appropriate answer.<br />5. Alomond and Ivhreon - Generally, these are not known or common financial terms.<br /><br />Therefore, the term that meets the requirement is a "thin file".<br /></p>