How is credit score calculated for debit card holders?

Question by : How is credit score calculated for debit card holders?
I've been overseas for many years and returned to the States less than a year (nine months) ago. When I came I had no credit history at all. Since then I've had a debit card (for a checking account with US Bank), on which I've made all my payments promptly, and I have no debt. Now I'm considering applying for a loan which would involve a credit check. Would I have a good or bad credit report?


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