Equifax Number

[Anonymous]

Cowboyguy,

FWIW, I got my SSN in November 2011 too and I got an EQ FICO score when I app'ed for Discover in July. I only had one CC at the time.

[Anonymous]

mmmmmm,

Belated thanks for the Equifax thread you referred to earlier in this discussion. It helped me immensely when I had to deal with EQ in June.

[Anonymous]

But the FICO agent specifically mentioned that you need to have your SSN atleast for a year in order for us to generate your FICO score.

And how about this? (see post # 7 above):

Originally posted by:

mrwheezy117

YES My social has been added! Also my name is fixed.

I don't know if this is for sure and I have no idea how to check online but they are mailing me a free credit report for me to verify. Only problem is that my social security number is less than one year old so I can't pull up any reports/scores from myFICO. *sigh* But I am so glad to get this fixed. Thank you again

[Anonymous]

Well, maybe there are two things at play here:

1. It may very well be that one cannot pull a score from the myFICO Web site if the SSN has been issued for less than a year. I have no experience with this and I have never tried.

2. On the other hand, I do know that Discover was able to give me my EQ FICO score when I applied with only 6 months of history and one CC.

It seems weird that myFICO cannot give a score when a lender can. There must be something at play that I don't understand.

[Anonymous]

I think you raised a very good point here.

Now I'm also starting to think the latter case is true, i.e. a lender would be able to obtain a FICO score after six months (and before completing one year of SSN) but a consumer cannot. I'm not 100% sure though.