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All I knew of is that you must have a valid tradeline for 6 months to generate a score. I haven't heard of having to have a SSN for 2 years. Maybe someone else will chime in on this.
I can definetly confirm this 2 year "requirement".
I moved to the US in late 2011 so am just shy of the 2 year mark and as recently as last week tried again (4th attempt) to get my fico scores from the myfico.com site (before apping for the SPG) and encountered this same exact issue. Called CSR and was told that it was probably (again probably) due to not having had my SS for 2 years yet. BTW the exact same issue happened with my DW who obtained her SS a few months after me and also has cards under her name that have been reporting for almost 2 years now, no go on the fico scores.
This is odd especially since the credit card companies do seem to be able to get the scores somehow. I have 4 CC's (Cap1, Chase, Amex and Citi) now including the Amex SPG which I was instantly approved for after I couldn't pull my fico scores last week. My oldest CC is the secured Cap1 card obtained in late 2011 which has been reporting just fine from the beginning. I signed up for Amex CredSecure, CK and Credit Sesame and they all can see/update all my accts, INQ, TL's just fine. Too bad they're FAKO's.
With all due respect it is a bit frustrating, kinda like driving blind. FAKO's are fine to keep track but I'd like to get the real McCoy
There doesn't seem to be an official mention on this anywhere on the site except for a few posts here and there.
Last week's email from myfico authentication customer care states as follows after
"Thank you for your recent visit to myFICO.com.
Unfortunately, we were unable to confirm your identity during your last purchase attempt. Your security is important to us, and therefore you will need to confirm your identity prior to purchasing any future myFICO® product."
It will be interesting to see what happens after I hit my 2 year mark.
Transunion sells Fako scores on their site. EQ does sell Fico scores but you have to really look hard on their site.
Thanks for the replies guys. I could have sworn that I read somewhere that the only place to get real fico scores was from myfico.com apart from certain lenders that provide them as part of their member services, ie Walmart w TU98. All others were FAKO's including scores obtained directly from the CRA's.
Can anyone confirm this? Here's hoping I'm mistaken.
Where on on the Eq site can I get the true Fico score? Pls provide the link.
Thanks.
Only EQ still sells a FICO score. It is hard to find and unless it says FICO it is their version of a score.
See if this works: http://www.equifax.com/credit-score/
When you applied and recieved your credit you used your newly recieved SSN ? Also are you using the same address as was used when you applied for crediit?