 TITLE: Does Your Credit Score Start at Zero? CONTENT: Starting with no credit score doesn't mean your score is zero. Rather, your score simply doesn't exist. That's because your credit score is calculated only at the moment that a lender, credit card issuer or other entity requests it to check your creditworthiness. If you haven't yet built a credit history, there's no information on which to base that calculation, so there's no score at all.\nOnce you begin to establish a credit history, you might assume that your credit score will start at 300 (the lowest possible FICO® Score☉ ). But it's highly unlikely your first credit score will be that low, unless you start off with very poor credit habits. Nor will your first credit score be the highest level (under the two most commonly used credit scoring models, FICO® and VantageScore®, that's 850). When you're new to using credit, you simply don't have a robust enough credit history to earn the highest score. END