do i have a credit score?

Cletus Makler: THINK. If you've never had credit how the living hell could you have a credit score?

Stormy Beliard: You can check your credit report at annualcreditreport.com and you can purchase your score on myfico.com. You probably won't have any credit listed. If you have a stable job and/or can co-sign with someone 21 years or old with good credit, you can get a secured credit card.

Providencia Serpe: Try FreeCreditScore.com. It may not show anything until your 18 though. Mine started at 400. No credit card. Bank account at 14 (savings). Checking at 18. Looked up score at 19.

Jestine Osumi: You don't have a credit score yet. You can't find it anywhere until it exists.You can start by doing nothing for 3 years. Trying to start before age 21 does more harm than good.Next, after you turn 21, try only one time get a "secured" credit card. Do not try to get any other kind. And, above all, if you are denied, stop trying immediately. Even time you ! apply for a credit card, you hurt your credit for the next year. Many Yahoo users apply so much that they are certain to keep getting denied, just because of their history of excessive applying....Show more

Bob Pucella: You don't have a credit score yet. I would recommend you start to build your credit by getting a credit card for a gas station. That is an easy way to build good credit just by paying that bill each month.