<prompt> Human: Is this a mistake? I applied for a credit card and got a capital one with 0 credit rating . I use the capital one credit check which I think uses transunion. It updates once a month and I checked it now and it is 715 and last month it was 0. Im 20 years old no past credit history. Is this a mistake and it will go back down or what?  <response>: Its not a mistake. Your score was 0 because you had no credit history. Its now 715 because you have a credit history albeit short which is entirely positive. Pay the bill on that card in full every month, after the statement date so it shows that you are actually using your credit, and enjoy the perks of never having ruined your credit.EDIT: In response to ububbablake Having a zero can actually be looked at in a good way. It means you are so financially set that you dont need to borrow other peoples money. Having a credit score of 0 does not look good in any way shape or form. Yes it means you have never needed to use credit to pay for something but it also means you have never, ever, paid back a debt. When a financial institution is deciding whether or not to loan you money, the fact that you have never responsibly repaid an obligation is not mitigated by the fact that you have never incurred such an obligation. 