Credit Score Unavailable

[Sonic98]

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

[gdale6]

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@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

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

[Sonic98]

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

[Sonic98]

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.

[Sonic98]

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

[CJIII29]

You have to wait 6 months to get a score.

[Sonic98]

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@CJIII29 wrote:

You have to wait 6 months to get a score.

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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.

[CJIII29]

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