When I look at my score it says 0 but I never had a credit card.
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Also, check you credit reports (free from the site below) for inaccuracies.
Sign up for Turbo --> https://turbo.intuit.com/
Also, check you credit reports (free from the site below) for inaccuracies.
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.
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