Just to clarify it is important how long the account has been opened and when it was last reported in order to get a FICO score. Please see attached link
http://www.rentcheckcorp.com/services/credit_bureau_services/consumer_reporting/all/beacon_reject_me...
Please notice reject codes R and X this document may be indusrtry specific . In general you need an account open for at least six months and reported with the last six months and not indispute or being reprted as deceased.
FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican CU
Pelican State CU Redstone FCU
I appreciate your feedback.