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this post was submitted on 30 Jul 2025
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No score is kinda a default ~600 I think. You can massage it by just getting a couple $500 starter cards and using them for a purchase then immediately paying them off and never touching them again (just so you have some credit and no utilization).
I think your debit accounts also count towards "average account age" too.
It's all a game, and if you play a bit, you can kinda make it work. If you play too much they take evening, and if you don't play at all, they won't give you anything...
As someone who finally got their credit score to something respectable, they count debt to income, open line of credit and how much you use (stay under 1/3rd), age of credit, number of times you swipe the card in a given month, and probably a few other weird things. Another thing they teach in school, but not the whole truth is that bad things leave your credit report after seven years. That's only true if you resolve it, and even then, it's seven years from the payoff letter, not seven years from start of credit. If you ignore the collections agency, they just kick your debt around to "different agencies" that open a new case, which restarts the clock.
Even if you keep your proverbial nose clean they still are unlikely to let you into the club. I bought my car when I had a mid 600s score and got like a 13% interest rate for six years. I now have a 750ish score and I tried to refinance and the one I tried with came back to me with a 20+% interest rate and like 84 months. But good news! My payment was going to go down like $40! I cussed the person out, told them to get a job that doesn't prey on people and hung up on him.
This comment isn't meant specifically for you, just sharing things I've learned to anyone reading