Everyone starts with a credit score of zero, as credit scores are not assigned until a person establishes a credit history.
Your credit score is a numerical representation of your creditworthiness and financial behavior, and it is typically generated based on the information in your credit report.
As you begin to engage in financial activities, such as opening a credit card or taking out a loan, you start building your credit history. The credit score ranges from 300 to 850, with higher scores indicating better creditworthiness.
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Factors such as your payment history, credit utilization, length of credit history, types of credit accounts, and new credit inquiries influence your credit score.
It’s important to manage your credit responsibly from the outset to establish a positive credit history and work towards achieving a higher credit score over time.
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