<prompt> Human: Im an incoming college freshman. All Ive ever had was a checking account under my moms account. I used my debit card responsibly, only for small purchases of 3 or gas money. I just turned 18 a couple months ago really confused as to why I was denied due to information contained in Consumer Report provided by Experian. I went on the Experian site to run a consumer report on myself only to find no information available because I have no credit history. Lmao. Any possible explanations or advice?  <response>: Not having a credit history is seen as a big red flag for some banks. Debit card use does not get reported to credit bureaus. 