Why is your credit score low since you have not charged anything in 25 years?

A credit score is based on your overall use of credit in all forms, such as car loans, house loans, student loans, and such. The analysis includes other organizations, such as mobile phone companies, insurance companies, utilities and employers.

For more information on how your credit score is determined, see the link I have provided below. If you have ever been denied credit, you can notify the reporting agency and receive a free copy of your report.