Is it possible to have a zero credit score?

Yes, it is possible to have a zero credit score, although it is rare. This typically occurs when a person has no credit history or has not used any credit accounts, making them unscorable by credit bureaus. Additionally, certain credit reporting agencies might not generate a score if there is insufficient information, leading to a score of zero. However, most individuals typically have some form of credit score, even if it is very low.