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?|||You still have no credit history. Debit cards do not affect your credit. The score is calculated exactly the same as if you did not have a debit card. You do not have a good or bad credit report. You have no credit report, and no credit score, and you will not be approved for a loan.