<prompt> Human: Ive never had a credit card- always paid things off upfront. I recently applied for a Best Buy and discover and got denied because of serious delinquency but I dont owe on anything. I even paid off ALL my school loans in 4 years and bought my house with a trust fund. Does anybody know what reason this could be or just my lack of credit hurting me.  <response>: Check your credit report for free. Itll likely tell you what the delinquency is that was reported to the credit bureaus. 