Sorry, J H, but you're wrong. My credit report comes back with not enough info to create a credit score. I have NO credit score. The proof is in the report directly from the credit agency--that's what it said.

The student loans were responsible for the kiddo having a score. Anyone with student loans has a credit score, because a LOAN is CREDIT.

I have never had any student loans. I simply haven't bought anything on credit, never taken out a loan, etc.

What irritates me is that I think buying things on credit, and getting loans, is usually not a wise way to manage money. So, for being sensible, I am punished--I can't get a home loan, or any other sort of loan without a co-signer. I am ironically considered to be a WORSE risk than someone with bad credit.