I would add that if the "FICO score forced you to take on debt" it would give a better score to someone with a 95% debt to credit line ratio than to an otherwis

I would add that if the "FICO score forced you to take on debt" it would give a better score to someone with a 95% debt to credit line ratio than to an otherwise equal individual with only a 5% debt to credit line ratio. In reality, the opposite is true. Having said that, for you to have a valid FICO score, you do need to have at least six months of credit history (credit card, loan, mortgage or otherwise).