topic Question about not having a score on Experian in Understanding FICO® Scoring

Question about not having a score on Experian

Anonymous — Fri, 18 Dec 2015 18:21:14 GMT

I don't have a score on Experian yet, won't know if I have one on Transunion until sometime around Christmas. I know it takes some time for accounts to cause a score. I have the same accounts reporting on all three CRAs but only have a score on Equifax as on right now. Baddies are basically the same except for Experian. It has 2 that total a bit over 10 grand. Does the available credit have to be over the amount of the debts to get a score? I haven't been able to find out one way or the other.

Re: Question about not having a score on Experian

tufa4311 — Mon, 21 Dec 2015 19:49:56 GMT

http://www.experian.com/blogs/ask-experian/2012/08/01/qualifying-for-new-credit-when-you-have-no-credit-history/

"Traditional credit scores require that you have a credit account, such as a loan or credit card with a minimum of three to six months of payment history." - Experian website

So, how much payment history do you have?

Re: Question about not having a score on Experian

Anonymous — Mon, 21 Dec 2015 19:55:26 GMT

4 months on EX, with another 10 year old account on TU, and two ten year old accounts on EQ.

Re: Question about not having a score on Experian

tufa4311 — Mon, 21 Dec 2015 21:14:03 GMT

@Anonymous wrote:
4 months on EX, with another 10 year old account on TU, and two ten year old accounts on EQ.

Ok, they say 3-6 months so give it some time.