Fair Credit Reporting: 16.3.1.2 Credit Invisibility
The vast majority of adult Americans, nearly 200 million, have a credit score, but a smaller percentage are “credit invisible.”82 A CFPB study found that about twenty-six million consumers, or 11% of the adult U.S. population, lack any file at the nationwide consumer reporting agencies.83 Another nineteen million consumers, or 8.3% of the adult U.S.