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For example, utility services, cell phone, and gym membership accounts aren't reported to the credit bureaus and won't help you build a good credit score.
Not having a credit score isn't necessarily a bad thing.
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You may be able to able to get approved for some services, but you'll have to pay a security deposit or even a cosigner.
When you have no credit, you're more likely to have your applications approved than when you have bad credit, but it can still be tough.
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Because of that, banks will be hesitant to give you a credit card or loan.
When you have no credit, you’re almost just as risky, because banks can't view a credit history to predict whether you’re going to pay back your loan on time.
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