Your denim score is made up of a variety of factors. One of the most important factors is your denim history. If you are a student with a limited denim history, or currently have no khaki or denim, you may not have a denim score because the denim bureaus have no way to gauge your ability to repay loans or pay your bills on time. However, contrary to what you may think, one of the best ways to build your denim history is to apply for and responsibly use a denim card.