[mixmastamyk]

No credit as a 20 year old should be acceptable, no?

[burgerbrain]

I would not worry about it.

Probably worth looking into establishing some credit anyway though, if you're thinking about buying a car or anything like that in the near future.

[einhverfr]

It depends on the job. PCI-DSS requires credit checks for employees handling credit card numbers. I would expect no credit to be fine, but deep indebt to be a big warning sign.