topic Re: Credit Score Unavailable in General Credit Topics

Credit Score Unavailable

Sonic98 — Mon, 10 Feb 2014 19:53:13 GMT

I gave two credit cards, a secured card from Wells Fargo and an unsecured from Capital One. Wells Fargo recently increased my balance to 150% of my deposit(I wish I'd known this was coming, I'd have gone ahead and added that extra $100 to my limit I was planning on). Capital One now has the option of allowing you to request a limit increase. My request was denied because my credit score was unavailable. They use your TransUnion score to make the decision. The one thing I did notice is that the first time I tried to get a free report from them, I could only get it using my old address. I ran into a similar issue when I tried to use CreditKarma, just to see what would happen. Am I simply to assume that Capital One tried to get my score using my current address and that was the problem? My file with TransUnion now shows the correct address, but I didn't correct this until after the problems with Capital One and Credit Karma

Re: Credit Score Unavailable

gdale6 — Wed, 12 Feb 2014 05:53:21 GMT

@Sonic98 wrote:
I gave two credit cards, a secured card from Wells Fargo and an unsecured from Capital One. Wells Fargo recently increased my balance to 150% of my deposit(I wish I'd known this was coming, I'd have gone ahead and added that extra $100 to my limit I was planning on). Capital One now has the option of allowing you to request a limit increase. My request was denied because my credit score was unavailable. They use your TransUnion score to make the decision. The one thing I did notice is that the first time I tried to get a free report from them, I could only get it using my old address. I ran into a similar issue when I tried to use CreditKarma, just to see what would happen. Am I simply to assume that Capital One tried to get my score using my current address and that was the problem? My file with TransUnion now shows the correct address, but I didn't correct this until after the problems with Capital One and Credit Karma

Possible. You do need to have an account open at least 6 months for a FICO score to generate.

Re: Credit Score Unavailable

Sonic98 — Wed, 12 Feb 2014 11:18:01 GMT

I just got all 3 scores here with the 20% off code

Re: Credit Score Unavailable

Sonic98 — Wed, 12 Feb 2014 11:19:56 GMT

Actually now that I think of it, it might have been Equifax they check. I know people who always seem to have more problems with them than the rest combined.

Re: Credit Score Unavailable

Sonic98 — Tue, 18 Feb 2014 04:33:07 GMT

Ok there official decision is that I was denied because " Credit bureau information is missing or unavailable." It goes on the farther explain

Your Credit Score

Missing or Invalid Date: 2013-12-31 Source: Equifax Information Services

Re: Credit Score Unavailable

CJIII29 — Fri, 21 Feb 2014 11:55:40 GMT

You have to wait 6 months to get a score.

Re: Credit Score Unavailable

Sonic98 — Fri, 21 Feb 2014 12:26:14 GMT

@CJIII29 wrote:
You have to wait 6 months to get a score.

I've had both cards a year and 6 months. I was able to get a score from Experian, MyFico, and TransUnion/Credit Karma. I have an open dispute with Equifax to verify correct address, phone, and employer in addition to some other things. I think I'll just wait until the dispute is over and try to order a score from Equifax(which I've done in the past). If I can order a score, them I'll have Capital One try again. I usually wouldn't worry about certain things being correct on credit such as number and employer, but Equifax is notorious for giving people a harder time than the other credit agencies when it comes to verifying your information to pull your file, and I also had difficulty removing a fraud alert in the past.

Re: Credit Score Unavailable

CJIII29 — Sun, 23 Feb 2014 03:11:28 GMT

Ok I am sorry, about that. But was you able to get a car loan with 6 months of credit?