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