If you have never had a loan or credit card you would have no credit. All three credit reporting agencies give one free credit report a year. (Experian, Equifax, Transunion)
Or there are sites where you can purchase all three at once for about $30.00-40.00. Just be careful of the site. make sure it is secure. (Lock symbol on the bottom, https instead of just http) Wal-mart sells credit reports online.
However you need a credit or debit card to buy online usually.
How do i find out what my credit score is without having a credit or debt card?
If youve never used credit, you probably dont have a credit score. Do you have a social security number?
Using credit raises your score too btw, get a couple and then hide them if you have to, or cut them up.
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