New Member
Posts: 2
Registered: ‎05-20-2013
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?