so i have the 3 cards listed below and i recently had to cancel my Quarterly monitoring with MyFICO because it wasnt serving its purpose no more as of Jan - Apr i was able to pull a report generally fast .... Then May i tried it again and it got an error ... i called my FICO they said that its saying i dont have enough history on my Transunion or Transunion is not allowing them to pull the report i just get a general error that personal information does not match ... So i decided to call Transunion they give me the story that there is enough history that its MyFICO so i call back MyFICO a CSR helped me she said it could be because the account i have open havent been reporting or updating my last report on trans happened in Mar so what im wondering is why is it not updating i dont get it she said that basically stopped them from generating a score for me becaus it appears the cards havent reported but i was telling her the same info is on Equifax though and it generates one.... Anyone can help me with this issue what could it be?
AFCU - Last Activity was Mar 2013 ( Been open since Jan)
First Progress - Last Activity Apr 2013 (Been open since Jan)
US Bank - Last Activity Apr 2013 (first report)
Fingerhut Installment - (Open since March but got a credit limit already waiting for it to report)
Santander Consumer - Last Activity was Apr 2013 (Open since Dec 2012)
American Honda Fin - Last Acitvity was Apr 2013 ( First Report)
Would this information allow a FICO not to generate as i said i had been good since Feb when i first started Quarterly monitroing pulled a report each month and then came May it would not work anymore ... only thing i did was an address change no other information..... in which i made sure they match now it still wont allow anything ... and there isnt a fraud hotline on my report...
Why is there a problem now though before it generated i didnt have much removed besides a collection from verizon thats about it
@shaun2009 wrote:
Why is there a problem now though before it generated i didnt have much removed besides a collection from verizon thats about it
Was the collection older than 6 mos? If so now that it's removed that history is gone, leaving you with the newer accounts.
yea i was purchasing using the 20% thing but umm yea it was older than 6 months so yea i guess i lost all history then wow that sucks...