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[kenduc]

Ordering a fico quarterly Monitoring today and this is the message i received

by the way i do not know my credit score but i know its horrible.

Thank you for your interest in FICO-Scored TransUnion Credit Profile.We regret we are unable to fulfill your order request because your credit report does not currently contain enough information to meet the minimum scoring criteria required to calculate a FICO® score. In order for a FICO® score to be calculated, a report must contain:

• At least one account which has been open for six months or more.
• At least one account that has been updated in the past six months.
• No indication of deceased on the credit report.

The minimum criteria is designed to ensure that there is enough recent information in the report on which to base a FICO® score.

If interested, you may obtain a copy of your TransUnion Credit Profile online (without FICO® score) by clicking which will link you to TransUnion who will process your request.

Your credit card has not been charged for this request. You may see a pre-authorization for the purchase price on your credit/debit card. These funds are held temporarily and will not be posted as an actual charge.


Thank you
myFICO® Customer Care

[Anonymous]

Go pull your annual reports-

Looks like you don't have enough info to score your report.  

[kenduc]

I've pulled my report and I dont have much of a history, and the little history that I have is definitely not in good standing.

any ideas on what i should do next??

[llecs]

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kenduc wrote:

I've pulled my report and I dont have much of a history, and the little history that I have is definitely not in good standing.

any ideas on what i should do next??

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Start by developing some credit relationships. If married, and if your spouse has any credit cards in good standing, then I'd ask to be added as an AU. I wouldn't recommend doing this with anyone else. Being added as an AU will add needed history.

Otherwise, I would start repairing what you do have. I personally wouldn't tackle any OCs so as to preserve whatever history I did have, but I would go after any CAs, PRs, etc. Check out the "Rebuilding Your Credit" forum for more info on rebuilding.

I would also go out and try to get a CC to start. If the lack of history is because you are a student, then you'll have some extra options not available to the rest of us. Many CCs tend to be lenient due to the lack of history by a college student. If not, try a secured CC somewhere. I'm partial to BofA. Credit unions are good too. Check ot the CC Forum for more advice.

[kenduc]

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llecs

Start by developing some credit relationships. If married, and if your spouse has any credit cards in good standing, then I'd ask to be added as an AU. I wouldn't recommend doing this with anyone else. Being added as an AU will add needed history.

Otherwise, I would start repairing what you do have. I personally wouldn't tackle any OCs so as to preserve whatever history I did have, but I would go after any CAs, PRs, etc. Check out the "Rebuilding Your Credit" forum for more info on rebuilding.

I would also go out and try to get a CC to start. If the lack of history is because you are a student, then you'll have some extra options not available to the rest of us. Many CCs tend to be lenient due to the lack of history by a college student. If not, try a secured CC somewhere. I'm partial to BofA. Credit unions are good too. Check ot the CC Forum for more advice.

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The only thing i do have on my report is a bad debt i have with chase thats a few yrs old...its been to about 2-3 different CA's.

I have been trying to obtain a CC and i've just been turned down left and right....the one thing i have checked with is my Credit Union which i am part of, im gonna give them a shot and see what happens.

By the way whats PR's??

[llecs]

If you choose to tackle repair, avoid Chase at all costs. Last think you would want is to have it deleted now.

And don't shy away from a secured CC. Even a low limit could help in the long run.

PR = public record = judgment, liens, BKs, etc.

[kenduc]

Yea the only thing I have on my report besides a few inquiries is the Chase CC Debt, Besides that i have nothing else, lol.I have applied for many other CC's and have been turned down left and right...I am with a credit union which I dont use oftem. Im gonna contact them tomorrow morning and see what they say.

thanks again