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? You could be the victim of identity theft There is nothing to worry about The credit bureau made a clerical error Yot the victim of identity theft

If you find a credit report in your name but have no established credit history, it’s important to consider the possibility of identity theft. Someone may have used your information to open accounts without your knowledge. This could lead to financial trouble down the line, so it’s crucial to take steps to secure your identity and report the issue. On the other hand, it’s also possible that the credit bureau made a clerical error, especially if your name is common or similar to someone else's. This could lead to misreporting or mixed files. It’s wise to review the report for inaccuracies and dispute any errors you find to ensure your credit profile accurately reflects your financial activities.