There will be two situations:

You currently have no credit card and loan usage and repayment records, which is commonly known as a white household in the industry

That is, you currently have no credit card and loan usage and repayment records. There are credit card and loan records, but they are not used for a long time, generally not used for more than a month. Because there is a lag in the credit report, it has not been reflected yet. In this case, it is recommended to check your credit record again after one month!