What credit score does everyone start with? No one starts with a zero credit score, but it's possible to have no credit score. ... You have never used a traditional credit account such as credit cards and personal loans with a bank or financial institution that reports to credit bureaus.

Does everyone start with credit?

What credit score do you start with when you're just beginning to build credit? If you're a young adult just starting to apply for credit cards, look for an apartment or get your first auto loan, you may wonder what your initial credit score is. ... In reality, everyone starts with no credit score at all.

Does everyone automatically have credit?

The truth is that we all start out with no credit score at all. Credit scores are based on the information in our major credit reports, and such reports aren't even created until we've had credit (e.g., a credit card or loan) in our names for at least six months.