Ann is 20 years old. Ann adores her Aunt Julie who just turned 90. She knows all about the difficult life her aunt had growing up under very poor circumstances which is why, still today her aunt hides all her money around the house and pays for everything in cash. Ann was however shocked to hear that her favourite cash-rich aunt had difficulty getting into a private nursing home as her credit score was so poor. Explain the reason for the aunt's credit score.