There are many reasons why you might not have a credit score. On the one hand, you may be young or recently moved to the United States from abroad and haven’t had the opportunity to build a credit profile yet.
On the other hand, you may be someone who prefers to pay for things with cash or a debit card and you’ve simply never applied for a credit card. Having no credit doesn’t mean that you’re financially irresponsible. In fact, many people with no credit are incredibly creditworthy individuals.