Today I tried to access my credit report for the first time from the three major agencies using annualcreditreport.com.

When accessed through Experian, it gave me a generic error that my report wasn't available online and told me to request it via paper mail. 

On Transunion, it seemed to have the correct information about me and said it had records of my existence since 2011 (a year after I graduated high school). However the report that Transunion showed me had no actual score on it, just my name and address. On the "Score" tab of the page, it was completely blank, not a single word. There was no activity on the report either.

Finally Equifax gave me a similar error as Experian telling me to mail a request in by paper mail with their application and proofs of ID.

All three agencies received the same name, SSN and address.

So the question is, **do I have a credit score at all?** I have never made any large purchase (house, car, etc.), have never taken out a loan for school, and have never owned a credit card (I do everything through cash, check or debit). Should I be worried?