<prompt> Human: Creditkarma.com is saying I have a credit score around 700, I went to apply for a loan and they say I have 0 credit. It would make sense to me that I have no credit because I have never had a credit card or taken out a loan prior to this. Can anyone resolve the discrepancy between what Credit Karma has reported for me and what was brought up at the time I applied for a loan? Any help would be greatly appreciated.  <response>: Credit score and credit history are two differentedit: though related things. The lender is probably specifically referring to your credit history, not your score. 