Many Americans start their credit journey with no credit history, which can feel intimidating and confusing. About 7 million U.S. adults — roughly 2.7% of the population — were considered “credit invisible” in 2020, according to a Consumer Financial Protection Bureau technical update released in June 2025 — meaning they don’t have enough history to generate a credit score. This can keep them from making necessary financial moves, from taking out loans to buying a car. Learn More: The One Dangerous Habit Ke ...