<prompt> Human: I decided to check my credit report for the first time in my life on annualcreditreport.com. Im 20 years old, and as far as I know, Ive never had a credit card or anything. After hearing about people whose parents have signed them up for stuff I figured Id have a look at mine just out of curiosity. I entered all my information correctly, and chose to request my Experian credit report. After I did all the stuff it asked me to do it said We were unable to honor your request. If you entered your credit card information, we did not charge you.Could this possibly mean that I just dont have a credit report to look at? I always thought that not having any credit meant my credit score would be low, but still exist.  <response>: Having less than six months of payment history yields no score There is also a difference between your credit score and a credit report. You can technically have a credit report without having a credit score.If you dont have any payment history on student loans, auto loans, mortgages, or credit cards, you probably have no file. You can also attempt to do a mail-in if you want to be sure. 