4 ms·

That's exactly what a credit score is - only the defaults disappear after a certain number of years to give people another chance.

• PeterisP 5y ago
  As far as I understand, people in USA with zero credit history get a poor credit score, which is a major difference from zero history being as good as it gets.
  • astura 5y ago
    If you have nothing on your credit report you don't have a poor credit score, you have no credit score.