<prompt> Human: I just started building my credit in Feb this year. I have been checking my credit karma score every couple weeks and have slowly built up a 670 credit score just spending like 30 a month on a 300 limit card.So I applied for a 18000 auto loan and was denied and they said it was because I dont have a credit score.That doesnt make any sense to me as I do have a credit score. I asked do you meant I just dont have a lengthy enough credit history and she said no I am saying you dont have any score at all.She said The score the Credit Karma has for you is not the same as the score that we get from Trans Union. They are two different types of pulls.That doesnt make any sense to me.Can someone please explain this logic to me. I have a decent income of 3000 gross a month and only about a 1000 in bills which I split with my girlfriend that pulls in the same amount. I am 29 and we could easily afford a 300-400 car payment. I have also never owed a dime to anyone.  <response>: Yeah 3-4 months for one account just isnt enough of a file for you to get that much for an auto loan. And its only a 300 limit too. To put it into context for you, my fiancée had 4 years of student loan history and a year on two cards 4k limits before she could get a car loan and it was only for 8k and we had put down the other 4k to buy the car. 