HELP! TOTALLY FRUSTRATED!!!

[Anonymous]

Here's what we get when we try to pull his other two scores from MyFico:

We regret that we are unable to fulfill your order for FICO® Standard - TransUnion 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, and no indication of deceased on the credit report. You have not been charged for this product. For additional information regarding why this order failed, please click here or contact myFICO Customer Support at 1-800-319-4433. Please try to get your FICO® Standard - TransUnion at a later time. Use the same voucher, , and follow the same instructions to get your remaining reports.

We regret that we are unable to fulfill your order for FICO® Standard - Experian 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, and no indication of deceased on the credit report. You have not been charged for this product. For additional information regarding why this order failed, please click here or contact myFICO Customer Support at 1-800-319-4433. Please try to get your FICO® Standard - Experian at a later time. Use the same voucher, , and follow the same instructions to get your remaining reports.

Crazy huh?

[Anonymous]

Yup, sure is. Have you thought about ordering a CR directly from a CRA? This is boggling my mind.

[Anonymous]

I'm sorry, I overlooked where you said they wouldn't give you a score for the other two.  The reports you have from annualcreditreport.... do they show any sort of revolving credit or installment loans.  Are any of them from recently... or are they from 6 years ago?? If not or if it was a LONG time ago, that may be the problem.  If they are similar to your EQ report, I would try to call myfico and ask what is going on.  And as a last resort, I would call the people who were required to report and ask them if they are reporting currently on all three.

Honestly, I don't know if any of this will work.  Just thinking about different angles of attack so that your BF's credit report will show up.

[Anonymous]

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@Anonymous wrote:
I know if there is a federal tax lien, it's almost the kiss of death for getting good cards

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This is not true. I just got a Clear with a 704 from Amex and I have a paid federal tax lien from 2002 that was paid in June of 05. I didn't get instant approval but got the approval in about 3 days. I got my Delta Amex with a 627 and a collection along with the lien.

[Anonymous]

And if the liens are still open, and being paid on???

[Anonymous]

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@Anonymous wrote:
And if the liens are still open, and being paid on???

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Now that I don't have any experience with.

[Anonymous]

Then, I suggest that perhaps, my statement was valid. I have a F.T.L. I've been paying for, for the last 15 years, and no majors will accept me. Discover, Amex, major bank cards, etc

[Anonymous]

grrrr...that's not quite true. I've been approved for BoA's partial secured platinum. wanted to clarify. Also a WaMu(used to be Providian) Apologies

TU: 676
EXP: 665
EQ: 633

[Anonymous]

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Sylviatob wrote: Then, I suggest that perhaps, my statement was valid. I have a F.T.L. I've been paying for, for the last 15 years, and no majors will accept me. Discover, Amex, major bank cards, etc

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The difference is that yours is open and still not paid. The simple fact that you have a tax lien does not make you untouchable.....at least to AMEX and they are anti BK. I would think I could go for a citi card and possibly a Discover as well. At least that is my plan for mid year next year when some of my current "new" accounts aren't new anymore.

TU 674 waiting a couple updates that should put me at or near 700
EQ 670 same as above
EX 714 all the updates applied to this one.

Message Edited by bamf70 on 10-10-2007 12:30 PM

[Anonymous]

Thank you for your input. I do appreciate it