Cant get FICO score?

faiths13 · ‎03-11-2012

Just tried to get a free trial here at myFICO and got this message:

We regret that we cannot provide you with your FICO® score report as your report at Equifax does not meet the minimum scoring criteria

Does anyone know what that means? And is there another way to see my FICO?

pakman92 · ‎03-11-2012

i believe that means you dont have enough history for a fico score.

My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)

crunching_numbers · ‎03-11-2012

@pakman92 wrote:
i believe that means you dont have enough history for a fico score.

+1

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

faiths13 · ‎03-11-2012

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.

pizzadude · ‎03-11-2012

I believe that you need a minimum of 6 months active reported history to get a FICO score.

How long has your oldest active account been open.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

faiths13 · ‎03-11-2012

6 months....well I guess I have a long ways to go to see a FICO score. I havent had anything reported on my credit in a long time. We have been talking to a lender as we clean up our credit - does that mean he won't be able to see our score if it goes up either? Im trying to get up to 620 to qualify for a loan.

pizzadude · ‎03-11-2012

Neither you nor a lender will be able to pull a FICO score until you meet the initial 6 month criteria.

Have you applied for any credit recently ?? CCs ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

faiths13 · ‎03-11-2012

My husband and I both just got secured cards

MarineVietVet · ‎03-11-2012

@faiths13 wrote:
My husband and I both just got secured cards

Welcome to the forums.

In order for a FICO® score to be calculated, a credit report must contain these minimum requirements:

At least one account that has been open for six months or more
At least one undisputed account that has been reported to the credit bureau with in the past six months
No indication of deceased on the credit report (Please note: if you share an account with another person this may affect you if the other account holder is reported deceased).

faiths13 · ‎03-11-2012

OK - I tried the same thing for my husband and I was able to process it and it gave him an Equifax score, even though his score was also NA before. He hasn't had any credit history in quite awhile either. Very strange.