<prompt> Human: Talking with my friends about someone who bought a house when her bf goes omg sarahs score is like 400 and she has never even had a credit card.Her last name is super common and my first thought was identity theft.Trying to pull her credit report was a fail because she couldnt identify enough things which bank do you have a credit card through type questions.We looked at her chase score and it says 4.Does that mean she doesnt have credit or is this a sign her info was possibly stolen? We told her to call a creditor next week but for now, any ideas?  <response>: It sounds like she just has no credit and has never attempted to establish it. 