If you have never had a credit or loan account, your credit reports will probably be reported as "thin files" or "young files". This means that there is not enough data on your credit report to accurately evaluate it. You will need to build your credit history by opening new credit accounts.
A good place to start building your credit history is with a secured credit card(s). If you have a thin file, it will be hard to open an unsecured credit card at a good interest rate (if it is possible at all).