@Kaloudz the answer to that is easy. As you mentioned you've never had credit. So the credit agencies and lenders have no idea how well you pay credit back. I never wanted a credit card and was sitting low 400. But after using one and being good with it I'm over 900 now. It's a slow burner though.
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Re: 'Xbox Mastercard' Launches This Month, A New Credit Card From Microsoft & Barclays
@Kaloudz the answer to that is easy. As you mentioned you've never had credit. So the credit agencies and lenders have no idea how well you pay credit back. I never wanted a credit card and was sitting low 400. But after using one and being good with it I'm over 900 now. It's a slow burner though.