There are only a few reasons why there is no credit file on an Individual.
Applicant is very young and has not yet established a credit history.
Applicant is on a Disability or Income Assistance Allowance and does not have a credit file.
Applicant has been incarcerated for a long period of time and thus has not had an opportunity to establish a credit history.
Applicant is a new arrival to the country and has not yet established a credit history.
Applicant has provided you with false information to ensure that you do not find his/her credit history. Some applicants misspell their name, provide a wrong date of birth, invalid Social Security Number, or illegible application.
Accounts are being reported to only one credit bureau in which case a second bureau should be pulled.
No credit file is a red flag in most instances and your screening process should include further due diligence. Visit www.criminalfraud.com for tips.