There is one place, I think annualcreditscore.com (but I am not positive), that the government does that lets you annually view your credit report. I shows the good and the bad on your credit. If you choose you can buy your # from any/all of the 3 major credit agencies.

I have used credit karma in the past and it is free and includes a credit score. I've had no problems with them. They still send me notices if something drastic changes even though I haven't signed in for years. I would start with them I think.

I don't know for sure but I think everyone (adults) has a credit score. I have no idea what would show up with no accounts. Do you have/have you had a car loan? Any other loan? Those matter along with credit cards. Student loans, mortgages, etc. also show up.