Why don’t I have a credit score?

If you don't have any credit history to speak of, the credit bureaus likely do not have enough information to assign you a credit score. This is often the case when you're too young to have your own credit accounts, or if you're new to the United States.

Why does my age affect my credit score?

Factors like your payment history, the average length of your credit history, and your credit mix are harder for the credit bureaus to rate you on when you're first starting out. As you get older, however, you have the chance to prove yourself in these categories.

How long does my credit history need to be to impact my credit score?

According to Experian, you need a minimum of three to six months of credit history on your reports before the credit bureaus can assign you a credit score.

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About the Author

Holly Johnson

Holly Johnson

Award-Winning Personal Finance Contributor

Holly D. Johnson is an award-winning writer and personal finance expert who covers a variety of topics within the personal finance industry, as well as higher education and travel. Originally from the funeral industry, she began writing about personal finance after starting her own investing journey.

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