No Credit Score What Happens Without a Credit History

There are two major credit analytics companies that calculate your credit scores: Fair Isaac Corp., commonly known as FICO, and VantageScore.

According to Shawn Lane, co-founder and chief operating officer of credit repair company Financial Renovation Solutions Inc., FICO needs:

One tradeline, also known as a credit account, that has reported in the past six months.

One tradeline older than six months.

Bad credit is the result of mishandling credit and earning negative marks on your credit reports.

The FICO scoring model, for instance, ranges between 300 and 850.