Why I Don’t Have a Credit Score?

Only people with zero credit have credit scores of zero, right? This is a common statement, which also happens to be incorrect. “…credit scores of zero…” Who’s that self-proclaimed financial guru who likes to tell everyone that his FICO score is, “zero?” I don’t remember his name, but here’s why he’s wrong. First, there is no such thing in FICO or VantageScore’s credit scoring models as a numeric credit score of zero. FICO’s credit scoring models range from 300 – 850....