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It Is Possible to Not Have a Credit Report

Dear Experian,

Is it possible not to have a report? I am a resident since 2003!


Dear NIC,

It is very possible to not have a credit report.

There is a common misconception that a credit report is issued when you receive a Social Security number. In fact, a credit report is not created until you open a credit account for the first time.

If you have no credit accounts, or have opened an account or accounts with lenders that do not report the payment status to a credit reporting company, you will not have a credit report.

Because information is deleted over time, it is also possible to have had a report but for it to have been removed from Experian's credit reporting system. This most commonly happens when a person moves out of the country.

They close accounts, or the accounts become inactive and after a period of years are deleted. When there are no longer any accounts remaining, there is no longer a credit report.

In order to establish a credit report, you need to apply for credit. It might be necessary to have someone cosign on your behalf or add you as a joint account holder because you have no credit history upon which to base a lending decision. Once a report is established for you, you will be on your way to qualifying for credit independently. You can check to see if you have a credit report by getting your free credit report directly from Experian at any time.

Just be sure to always pay your bills on time.

Thanks for asking.
The "Ask Experian" team