You don't have a credit report until you have a credit account in your name. When you open an account for the first time, or are added as an authorized user or joint on an account, a credit report will be created.
If payments are made on time and the account is managed well, it will build a positive credit history. As your credit history continues to grow over time, you can continue to improve on it, which will in turn increase your credit scores.
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Do you have questions about credit?
Join our live video chat every Tuesday and Thursday at 2:30 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.
Scoped on: 07/07/2016