You don't have any credit, but when you check with a credit bureau, they have a credit report for you. What can you conclude? There is nothing to worry about You could be the victim of identity theft The credit bureau made a clerical error You are not the victim of identity theft

The correct conclusion is: You could be the victim of identity theft. Here's why: If you haven't established any credit for yourself yet a credit bureau still has a report on you, it suggests that someone else may have used your personal information to open accounts or conduct financial transactions without your permission. It's important to investigate the details on that report and verify whether there are any accounts or inquiries you did not authorize. While clerical errors can occur, the presence of a report when you don't have any credit is more likely to be a sign of identity theft. It would be wise to follow up promptly by contacting the credit bureaus and taking steps to protect your identity.