Everyone I have talked to on the finance side of life, aknowledged that yes I had credit before, and that yes all was paid as agreed (I have even seen the reports) but they can,t do anything until I get a fico socre re-established and reported, which they say could take a long time. In the mean time they suggested I apply for credit cards that are for people with bad credit, and I'm afraid if I do that then I will be viewd and looked at as a bad credit risk. As well no US institution will consider the fact that I have a mortagage on my house in France and have never missed a payment on it, or credit cards. I spoke to American Express whom I had an account with years ago, and they said they could not re-establish anything until I could get a score, even on a secured basis. Also AMEX said that even though I have an AMEX account in France, that is France and not the US. So much for the world getting smaller.