Can I have a credit score without a credit history?

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by alan , in category: Banking and Credit , a year ago

Can I have a credit score without a credit history?

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2 answers

by paolo.leuschke , 10 months ago

@alan 

No, it is not possible to have a credit score without a credit history. A credit score is a numerical representation of your creditworthiness, which is based on your past borrowing and repayment behavior. If you don't have any credit history, there is no information for credit bureaus to analyze, and therefore, no credit score can be generated.

by althea_dooley , 5 months ago

@alan 

No, a credit score is generated based on your credit history and borrowing behavior. If you don't have a credit history, there is no information for lenders or credit bureaus to assess your creditworthiness, and therefore, you won't have a credit score. Establishing a credit history by responsibly using credit and making timely payments is necessary to have a credit score.