https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/No-Fico-Score/m-p/2157947#M71915 <P>You would need at least one account that has been open for 6 months or more.&nbsp;</P><P>&nbsp;</P><P>Being an AU should have given you instant history from that account.&nbsp; Are you sure it is reporting to all 3 CRAs?</P> Mon, 20 May 2013 22:03:51 GMT Anonymous 2013-05-20T22:03:51Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/No-Fico-Score/m-p/2157685#M71914 <P>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. &nbsp;Now that I want to buy a house, I don't have a fico score. &nbsp;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. &nbsp;</P><P>&nbsp;</P><P>Do I just need to wait for 6 months of current history? &nbsp;Do I not have a score because I had no open accounts for so long?</P> Mon, 20 May 2013 20:25:08 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/No-Fico-Score/m-p/2157685#M71914 Anonymous 2013-05-20T20:25:08Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/No-Fico-Score/m-p/2157947#M71915 <P>You would need at least one account that has been open for 6 months or more.&nbsp;</P><P>&nbsp;</P><P>Being an AU should have given you instant history from that account.&nbsp; Are you sure it is reporting to all 3 CRAs?</P> Mon, 20 May 2013 22:03:51 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/No-Fico-Score/m-p/2157947#M71915 Anonymous 2013-05-20T22:03:51Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/No-Fico-Score/m-p/2158693#M71920 <P>Being added as an authorized user will give you score when the account is reported.</P> Tue, 21 May 2013 01:49:17 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/No-Fico-Score/m-p/2158693#M71920 AndySoCal 2013-05-21T01:49:17Z