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Question By
hotrodpickel

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how is it i have bad credit and i never owned a creditcard
i have notice on my report, of credit card debit.
i have never owned a credit card, and never taken a loan.
i just recently, opened a bank account, with wellsfargo.
the only bank account i ever had, except for the one i had when i was 16 years of age, I am 43 now.
my credit should be in good standings.

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No credit is almost as bad as no credit.  If you don't have any credit history, then potential lenders have no idea how you will handle credit.  Best indicator of future behavior is past behavior.  Make sense? 

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Reply by
Addison170

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I meant "no credit is almost as bad as negative credit".  :)

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