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what is worse - bad credit history or no credit history? or are they about the same?
@faiths13 wrote:then maybe my score still says NA? Ive been working on cleaning up my credit and my score had gotten to NA because I hadnt had anything reported in so long. I got a $1 Experian report a week ago and it said my score was 586.
What you got from EX was a FAKO (Fake FICO) score. Most likely a EX plus score or possibly a Vantage score. Either way it is not a true FICO score and in the case of the Plus score, not used by any lenders.
But any scores I get from myFICO are correct?
Yes, the TU and EQ scores you get here a true FICO scores altough there are several versions that a lender could use so it is possible that your TU score here is different then the TU score the lender pulls. Not to worry though we are all confused about FICO scores and they seem simetimes to have a mind of their own.