The credit bureaus produce negative scores in very rare circumstances, such as if you're experiencing bankruptcy or insolvency. If you don't have any serious defaults on your file, it may simply mean you don't have a long enough credit history for the credit bureaus to generate a credit score. It's a good idea to get in touch with the bureaus directly to find out what might be happening. This is a great way to ensure there are no mistakes on your file, or worse, any suspicious activity going on. Visit the Equifax or Experian website for more info.