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Plumbguy

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I have no credit score...why... I have a auto loan and a 401k loan
I don't understand why I do not have a credit score I have a truck payment out I was renting an apartment I had a 401k loan I have a debit card why don't I have a credit score

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Because you are not showing a credit history.  The truck payment is the only significant credit item you showed.  The apartment rent is a living expense, the 401k loan is basically using your oiwn savings account money and doesn't qualify and a debit card is basically a paperless check.  Credit Karma's purpose is to teach people about credit so they can build a good score and the articles here are very helpful. I have learned a lot and now have an excellent score which enabled me to have a low rate on the car I purchased last year. Please take the time to utilize the tools for credit education presented here.  You'll really benefit from this. 

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Are any of those items showed up on your credit reports?

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