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No Fico Score

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walt1226
New Member

No Fico Score

I have about 11 years of history with three paid and closed installment loans and a paid and closed cc not one single late payment, but they were all over 8 years ago.  Now that I want to buy a house, I don't have a fico score.  I opend a secured credit card three months ago and my wife added me as an authorized user on her amex with a CL of $28,300 and 8 years of perfect history.  

 

Do I just need to wait for 6 months of current history?  Do I not have a score because I had no open accounts for so long?

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2 REPLIES 2
guiness56
Epic Contributor

Re: No Fico Score

You would need at least one account that has been open for 6 months or more. 

 

Being an AU should have given you instant history from that account.  Are you sure it is reporting to all 3 CRAs?

Message 2 of 3
AndySoCal
Valued Contributor

Re: No Fico Score

Being added as an authorized user will give you score when the account is reported.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

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