Why don't I have credit scores?

Some of the reasons that would cause a consumer not to generate a credit score or credit report are as follows:

• They don't have a social security number.
• They are not over the age of 18.
  
• They don't have enough credit. It takes at least one credit account that has been open 4-6 months to produce credit scores.
  
• Their open accounts have not been active for 6 months.
  
• Their credit reports are only showing negative credit. No open positive accounts.
  
• They are being reported as deceased.
  
• The information entered to pull their report is incomplete.
  
• They have a fraud alert on their credit file.