So there are two big ideas here, both of which may explain why a person might have a score or not.
First, it depends on what kind of a score it is. There's a whole family of scores made by a company called FICO. To have a FICO score you need to have:
- At least one account opened for six months or more, and
- At least one account that has been reported to the credit bureau within the past six months
http://www.myfico.com/crediteducation/questions/requirement-for-fico-score.aspx
There's another kind of score made by another group. This is called the Vantage Score. The requirements for getting a Vantage score are less stringent, so people can often have a Vantage Score before they have a FICO score.
In your uncle's case, one website might have been trying to pull a FICO score and the other website might have been using a Vantage score (or some other non-FICO model).
The other big idea is that the actual accounts listed at each of the three credit bureaus (Experian = EX, Equifax = EQ, TransUnion = TU) might be a little or even a lot different So it is is possible that your uncle meets the two requirements I mentioned above for a FICO score, except that the accounts meeting these are not both present at EX (whereas they might be present on his EQ or TU reports).
The key step is to pull your uncle's reports, rather than his scores. Reports are the most important thing at first. You have Credit Karma, so you can get his TU and EQ reports there. (I would print them out if I were you and take a red pen to them, circling all the stuff that looks wrong or is unclear or hard to understand.) And do the same thing with his EX report. Almost certainly he'll find that he does not meet both requirements yet on the EX report, though he may soon, depending on what actions you have taken so far.
Finally, when you are pulling credit scores, it's really important to find out what kind of score it is. For example, Karma gives Vantage scores.
