Hypothetical situation

[Anonymous]

If someone never used credit and didn't have a FICO score because of it, if they went delinquent on a bill, and it got reported to the CRA's, would you then have a FICO score? Probably not a good one, but I'm just curious. Or would you still have no FICO score because you didn't have any credit accounts?

[iv]

http://myfico.custhelp.com/app/answers/detail/a_id/230/

In order for a FICO® score to be calculated, the credit report must have:

• At least one account opened for six months or more, and
• At least one account that has been reported to the credit bureau within the past six months, and
• 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)

So if the delinquent account reported with an account opening date of "today", then a (bad) score would generate in 6 months.  If the account instead reported an earlier date (start of service, for example), then the score would generate immediately. If it only reported the once (vs monthly updates), the score would then not generate again AFTER month six... (it would keep generating if the delinquent account updated at least once every six months.)

But with no cards, mortgages, car loans, etc...  would that person even notice or care?  Clearly they hadn't been using credit or depending on a FICO score in the first place.

Do also keep in mind that there are other CRAs and scoring models designed just for cases like this, that score based on utility payments, rent, etc...  There are far more CRAs and scoring models out there than just the "big three" of EQ/TU/EX and Fair Isaac.