<prompt> Human: I was looking at nerd wallet, as it was my understanding that I shouldnt have a credit score at all, and was seeing how I can build one. According to nerd wallet, however, I have a 586 trans union credit score, even though Ive never owned a credit card. I have taken out federal student loans, but none of them have requested payment and wont until six months after graduation. Is this credit score justified?Whats the best way for me to build credit?  <response>: Thats why you have such a low score. Read the credit wiki on the right regarding building credit. 