When you have no credit history lending institutions just don't know enough about you and your ability to pay back a loan.
  • You do not have anything on your credit report at all.
  • You have not borrowed any money within the last seven years.
  • You have not borrowed money in the past.
  • Some people who do not borrow money may not have a credit history.
  • If you are in college you may not have a credit history, unless you have taken out student loans.
  • If you have never had credit that doesn't mean you have a zero credit score, rather you have the absence of a score; like being credit invisible

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