If you run a credit check on an individual, and the report turns up nothing, warning sirens the size of Montana should be going off in your head. A report that turns up nothing is commonly a sign of what is referred to in the industry as a "credit criminal."
By "nothing," we don't mean that the person has had no credit problems. We mean that the report shows no credit activity whatsoever: no applications for credit, no credit checks, no anything.
Of course, a lack of any information could mean something else. It could mean that the individual is just starting out and hasn't built any credit. As with any credit report, it should not be the only information you rely on. And, if you suspect that the individual is a credit criminal, never accuse him or her of it.