<prompt> Human: Ive never opened a credit card before but was planning to sometime later this year to start building credit. Ive never been late on bills attached to my name as far as Ive been aware. I recently signed up with T-Mobile and after them giving me back what they saw in my credit score in the mail, its all the way down in the low 200s. Trying to check my credit with Annualcreditreport results in the companies not having any record on me which makes sense. Experian isnt working at the moment.Im trying to figure out if I actually do have low credit and T-Mobile doesnt have some special credit system of their own.The only way I could have any credit at all would be through rent credit, as least I would assume.x200B;Im concerned that Im going to have low-credit for the entirety of my 20s before Ive ever had a chance to build up credit.  <response>: No credit bad credit.You have no history for them to base judgement on so youre a potentially huge risk. 