Do you have to have debt in order to have a FICO score?

No, you do not need to have debt to have a FICO score. A FICO score is calculated based on your credit history, which can include factors like payment history, credit utilization, and length of credit accounts. If you have no debt but have a credit account, such as a credit card with a zero balance, you can still have a FICO score. However, without any credit activity, you may not have a score at all.