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New Visitor
francisa
Posts: 2
Registered: ‎06-12-2013

No FICO score if your SSN not more than 2 year old!

[ Edited ]

I have tried to purchase FICO Score Watch, endup calling customer care for identity validation.

The lady at customer care told me that no one get FICO score if the SSN not more than 2 years old (and 6 months credit reporting).

 

I have credit reports from Equifax which reported more than 6 months of credit history.

 

According to http://myfico.custhelp.com/app/answers/detail/a_id/230/ I am elligible for FICO score.

 

I am unable to find documentation where FICO specifies minimum age of SSN.

 

Please help

Community Leader
Valued Contributor
DaveSignal
Posts: 1,973
Registered: ‎07-29-2011

Re: No FICO score if your SSN not more than 2 year old!

The information you received is inaccurate.

 

My wife received her SSN in January of 2012, and were able to pull a FICO score in September of 2012.  She had a 742 at the time, using only some of my accounts as AU.

EQ:701 TU:745 EX:694
Barclays Arrival $6.5k - BoA Travel Rewards $15k - SDFCU EMV $15k - NFCU goRewards $20k - CSP $5k - Amex ED $6.5k
New Visitor
francisa
Posts: 2
Registered: ‎06-12-2013

Re: No FICO score if your SSN not more than 2 year old!

I have tied calling again, but myFICO customers again says. I have wait 2 years after getting the SSN so that they can provide a score.

 

It is surprising that this information is available through only customer care. !!!

Community Leader
Valued Contributor
DaveSignal
Posts: 1,973
Registered: ‎07-29-2011

Re: No FICO score if your SSN not more than 2 year old!

[ Edited ]

 

 

EDIT:  nevermind.  maybe I am wrong.  I do have a SS card for my wife dated 17 January 2012 and a report dated 11 September 2012.  But I am pretty sure she needed a SSN to apply for her green card, which was done before that.  So maybe she had a tentative account until she got the new SS card in 2012.

 

How did you get to this country?  Can't you just use your husband's credit for 2 years?

EQ:701 TU:745 EX:694
Barclays Arrival $6.5k - BoA Travel Rewards $15k - SDFCU EMV $15k - NFCU goRewards $20k - CSP $5k - Amex ED $6.5k

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