Can having an unpaid loan or medical bill show up if one runs a credit check against you even if you never had a score? Thanks.
It is possible, since both would have your ssn on record. Have you tried to pull up a credit report? Equinox, Experian, TransUnion are the 3 national credit bureaus. I've also changed your practice area to debt collection.
You will have a credit score if you have borrowed money, and have a social security number. Thus, I am not sure why you think you do not. Unpaid bills, reported by the collector, go in your report. Run your free report on annualcreditreport.com. If there is a report, there is a score.
Everyone has a credit score. If your credit report indicates that you are servicing the debts that you owe, it will be higher than if you are not. FYI, there is a big difference between not having a credit score and lacking substantial credit history.
To answer your question, though, the answer is "yes," your unpaid bills will show up on your credit report - assuming, of course, that your creditors have reported your debts to one or more of the three  credit reporting agencies. The best way to figure this out is to download a free copy of your credit report, which you can do from the below link:
You might be surprised with what you find. If you discover that your credit history is more expansive than you think, you can always use this website to find a bankruptcy lawyer or other legal professional who helps people get rid debt.
Good luck with your case!
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