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You have the absence of a score: You’re “credit invisible.” You have a different problem from someone who’s had credit and messed it up.

Rod Griffin, director of public education for Experian, says that you should focus instead on your “general risk” category.

Each lender can set its own parameters, but generally the range for credit scores looks like this: Paying every bill on time and keeping balances low will help you have good scores — no matter which scoring model a lender uses to get a snapshot of your credit habits or when that snapshot is taken.

Closing credits or end credits are a list of the cast and crew of a particular motion picture, television program, or video game.

Where opening credits appear at the beginning of a work, closing credits appear close to, or at the very end of a work.

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