No Credit
A credit score isn't just some arbitrary number: It lets lenders, retailers, and even potential employers determine how trustworthy you are. Your credit score is your credit history, and it's a reflection of how much you spend, how quickly you pay your debts, how long you've had credit extended to you, and how many types of credit you work with. If you don't know your credit score, you can't improve your credit. Find a participating bank, credit union or credit card issuer and check your score for free — if it's bad, there are plenty of ways you'll pay for it anyway.