I’ve never had a credit score.

I’m a student, a person new to the U.S., or an authorized user on someone else’s credit card.

I maintain a healthy balance in my checking/saving accounts.

I have a limited credit history, 3 years or less.

I’m a gig/part-time worker without a predictable income.

I maintain a healthy balance in my checking/saving accounts.

I haven't been more than 30 days late on any credit card, medical bill, or loan in the last year.

I haven't been more than 30 days late on any credit card, medical bill, or loan in the last year.