Having no credit score is not the end of the world. It just shows your lack of experience with credit. To build up a good credit score, you can get experience by having a cosigner on your first loan or credit card. Over time, you will slowly build up more experience. If you make your payments on time, keep the amount of debt you have to a minimum and avoid major negative items like collections, you will be well on your way to exceeding the minimum credit score.

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