I don't have a "credit history" as I've never established a line of credit. However Equifax offers other services such as Background Checks which more american

I don't have a "credit history" as I've never established a line of credit. However Equifax offers other services such as Background Checks which more americans are passing off their SSN to, generally unintentionally (its mandatory for work). This leads me to believe even young people are affected if theyve taken an internship or anywhere (AT ALL) that uses Equifax.