Alright, ""adults""

I've tried to find it through stuff like credit karma and they can never find me. I'm sure I have one but I can't access it.

Yes. Having a good credit score makes life all around easier

>Buying a car
>Buying a house
>Taking out any sort of loan
All impossible without good credit, not to mention the various perks that come with them. Everybody should have a credit card in this society

Ever paid bills, a rent, mortgage or car? You pretty much get a credit score assessed on how well you can pay consistent bills, not just a credit card.

Pay off your credit card debt each month.