? asked in Business & FinanceCredit · 2 months ago

How can i check if I actually have a credit score?

5 Answers

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  • ?
    Lv 7
    1 month ago

    Go online to www.annualcreditreport.com  you can see your credit history if you have one, the credit report is free it would cost you for the actual number.  Some banks offer the FICO score through their online banking

  • 2 months ago

    If you pay rent and utilities you have a credit score. 

  • Anonymous
    2 months ago

    If you had credit you would know it. It does not magically appear.

  • ?
    Lv 7
    2 months ago

    Creditkarma.com is one way.

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  • Anonymous
    2 months ago

    You could try to make an account on credit karma.  If they can't find information - you don't have a history in the credit bureaus yet.

    You could also try getting your free annual report from the credit bureaus.  If there is no report  - you have no history.

    https://www.annualcreditreport.com/index.action

    There are two main things that show up on credit reports.  The first one is anything that is a loan or line of credit.  This could be personal loans, student loans, auto loans, mortgages, and any kind of credit card.  (being an "authorized user" on someone else's card usually will NOT show up on your report.)  The next main thing that shows up on credit reports is items in collections.  Collection items are things you forgot to pay - like a doctor bill or a utility bill that was in your name - but you moved.   Until you have something that shows up on a credit report - you usually won't have a credit score.

    Things like rent and utilities (gas, electric, water, phone, cable, internet, cell phone) are services and not lines of credit.  These items don't do anything to help your credit score.  (certain cell phone plans MIGHT - but not usually.)

    If you have never opened an account for a loan or credit card - and if you have never had anything in collections - then you shouldn't have a credit score.  In some cases - young adults discover that their parents have been using their name and social security number to get credit cards or even to just turn on utilities at a home and then they fail to pay the items and the young adult ends up with bad credit before they even actually do anything for themselves.

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