My credit score is 0

[D1Antwan]

When I look at my score it says 0 but I never had a credit card.

[tagteam · Accepted solution]

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Also, check you credit reports (free from the site below) for inaccuracies.

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

[VolvoGirl]

Then 0 makes sense.  It's based on using a credit card or borrowing.  In fact if you pay off a credit card the score goes down.