<prompt> Human: I am 18. I have never had a job, or a bill to play. I do not have a credit card, but I do have a bank account debit card I got over the summer.My family all say that, because I never had any real bills, I dont have a credit score. Is this true?  <response>: Unless you have 6 months or more of history on a credit tradeline does not include bills or utilities, you do not have a score.More information: 