topic Re: GIVE ME SOME CREDIT in General Credit Topics

GIVE ME SOME CREDIT

Anonymous — Mon, 29 Feb 2016 01:22:18 GMT

Hey everybody-

Got a question here. I am disabled and have been renting for the past few years. But need to buy a house due to lifestyle issues. For the last few years my sister has been my financial guardian. But we are working on getting that overturned. As a result I can get a credit summary. But no FICO. So here is my question everybody. How do I get my own credit file and my own FICO??

Get back to me on this please!

Thank you,

Dylan

PS: Pardon the large font and font color...sight impaired.

Re: GIVE ME SOME CREDIT

iv — Mon, 29 Feb 2016 01:40:37 GMT

In order for a FICO® score to be calculated, a credit report must contain these minimum requirements:

At least one account that has been open for six months or more
At least one account that has been reported to the credit bureau with in the past six months
No indication of deceased on the credit report

Re: GIVE ME SOME CREDIT

Thomas_Thumb — Mon, 29 Feb 2016 01:45:09 GMT

iv wrote:

In order for a FICO® score to be calculated, a credit report must contain these minimum requirements:
At least one account that has been open for six months or more
At least one account that has been reported to the credit bureau with in the past six months
No indication of deceased on the credit report

Re: GIVE ME SOME CREDIT

iv — Mon, 29 Feb 2016 01:51:05 GMT

@Anonymous wrote:

PS: Pardon the large font and font color...sight impaired.

BTW, if you go to "My Settings" -> "Preferences" -> "Display" -> "Text size", you can select "X-Large" text, instead of the default "Medium".

That sets the base text size displayed to you (regardless of the size it was composed at).

I know I find that size easier on my eyes, anyway...

Re: GIVE ME SOME CREDIT

takeshi74 — Mon, 29 Feb 2016 13:26:22 GMT

Your browser should also allow you to set your text size. You don't have to post in large text.

@Anonymous wrote:
As a result I can get a credit summary. But no FICO.

Sounds like you need some recently active credit accounts but if you're at that point you'd have to slowly add them as your credit profile allows and may even need to start with a secured card. How far off is this home purchase? The general advice is no new credit 6 months to 1 year prior to a mortgage but that really depends on credit profile. If you have to build yours then you'll probably want to follow that advice which means you're going to have a timeframe greater than that as you need to establish and build other credit accounts prior to that.