Query by Sabrina A: Will start off out in the negatives if I have no credit score and get a credit test?
I am 19 and I want to move into an apartment but they need a credit examine. I never assume I have credit simply because I've in no way had to pay out expenses or had a credit card. I've had a checking and financial savings account for a couple many years. What will occur to my credit if the do a credit score test, and will they let me go in?
Very best solution:
Response by Brandon
Hey, Big Stage relocating off on your personal. Excellent operate inquiring for tips. You can by no means be too mindful.
What you possible landlord is searching for is poor credit. If you never have any negative debts or a background of unpaid/late bills, then you must be okay. It would not have an effect on your credit actually both, until you happen to be acquiring several credit checks in a short interval of time.
Put your personal reply in the remarks!
The scale does not actually go below zero, so your score can never be less than zero. However, if you have a credit check done and you have a credit score within the next year, then it will be lower than if you had not had the credit check done, until one year after the credit check. After one year after the credit check, your score will be the same as it would have been without the credit check.