Did you know that some people don't have credit scores? If you don't have much information in your credit reports, or if you haven't had a loan or credit card for a long time, you might not have a credit score. This is also known as having a thin credit file. According to the Consumer Financial Protection Bureau (CFPB), 9.8% of adults have no credit scores because their credit files are too thin. If you're in this group, you'll find it difficult, or even impossible, to do things like borrow money or lease ...