<prompt> Human: So my girlfriend is 21, and she attempted to get her credit started a few months back. And she has no credit file associated with her social security number. She literally has nothing. No bad credit, no good credit, no history of credit. Its like she doesnt exist in the credit world. She cant even apply for any type of credit because of this issue. It would cost up to 300 for an investigator to figure it out. Anyone got some advice?  <response>: Have your GF come here and read the Wikis. 18 to 25 is a good start. Fico next. They are on the right sidebar ---Do not hire an investigator. 