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That's what happened to my son. He got it straightened out on his own, but since has avoided credit cards and credit. Now in his 30's he has no credit at all. My daughter also does not use credit cards, same story.
I think my bitch about our bankers system of credit is that you are deemed un credit worthy even if you've never borrowed money. Seems to me that if you've never had to borrow money you manage your finances pretty well. But no, unless you pay homage to the banking industry by borrowing money you don't get a credit score.
It's all fucked up to benefit the banks.
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