Can you have a "no credit" score if you're a mature adult?

Question

Hi, is it possible for you to have an average credit score and then have it somehow drop down to "no credit" if you're, say, out of the country for several years and cancel your credit card? Or will your past score stay with you indefinitely?

Or would it become a "zero" credit score?

Answer 1

It can, yes. It means you have no active credit, or any credit you may have previously had is just too old to score you on.

Answer 2

Yes, you can have a "no credit" score.  That's a problem missionaries often run into after spending several years overseas.

Answer 3

It's complete (but unlikely) that an adult wouldn't have a credit score & report. Just opening a bank account usually is sufficient to establish a record at the credit bureau. Ditto for credit card and loans. Some people don't do banks and cards which is understandable but  a credit history can also work in your favor.

It's hard to prove that you've paid all your bills on time when there's no proof. You wouldn' have a zero...you just won't have a file at the credit bureau.

Answer 4

Credit score stays with you.  It does not expire.