I talked with my cu rep and we went over the report she pulled when I joined. The old loan shows up on that report but for my score it says "no recent tradelines" and doesn't show a score at all.

The two cards I started the same week hadn't reported yet though. Would those two revolving accounts have been enough to essentially resurrect my file and calculate a score?

Or is she seeing something entirely different. She said they pull beacon from equifax and I was under the assumption that beacon was just another word for fico and that they were the same thing.

She said she couldn't soft pull to check again and I'm still going to wait 6 months or until our vehicle dies, was just curious.