Why don't I have a credit score?

You likely do not have a credit score because there is no record of you using credit products like loans or credit cards. In India, credit bureaus such as CIBIL and Experian generate scores only when banks or lenders report your credit activity. If you are a new borrower or primarily use cash and debit cards, there is insufficient data to calculate a score. Additionally, your score may not be available if your credit history is less than six months old or has been inactive for a long period.