Credit scores reflect known information about you. If nobody knows anything about you. If nobody knows anything about you, then you're not a good candidate for credit. Unfortunately, it is a “no news is bad news” situation. There should be a healthy helping of data about you and your creditworthiness available for all lenders to see. In this section, we'll look at how you can start building your credit record, how you can rebuild bad credit, and how you can get favorable credit, and how you can get favorable information added to your reports.