About 40 million Americans have no credit score. According to an article appearing in Florida Realtors, about 16.7% of credit-aged people do not have any credit score. These people would not meet the basic requirements for automated underwriting for a mortgage loan and other loans. They could be turned down or pay a higher interest rate. Unscoreable people generally fall into four groups: no accounts, rare credit user, frequent credit user, or new to the market.