Let's assume the context where a woman approaches a bank to secure a loan for her bold but lucrative business idea but she gets turned down because she doesn't have anything for collateral and her financial record (bank transactions, any previous smaller loans, the CIBIL Score for the requested loan amount and so on) is next to nothing.
Overall, the banks don't have anything to proceed with other than the business idea itself.
My question is that is there a phrase to describe her lack of financial record?
I understand that the question sounded particularly vague but the context would help you better understand it.
Edit: "Credit Score" or "CIBIL Score" does fit the context very much. But what I wish to have is a phrase or an idiom. So I have changed the tags now. Sorry for the discrepancy.