No Score

[rycoop]

I have no score from Equifax. I did have one and have had one and now it's completely gone. My credit union said I was a no score and nothing on my file, then I looked into it and sure enough.. I'm gone. I tried pulling it through MyFico and it said I have no credit history with that CB and I can't purchase a score. This is really bugging me. Has this happened to anyone else? I even called EQ and the lady said that they don't have me in the system as having enough credit (6 or more months). I'm confused. I asked about a "split file" and they have NO other file on me, my name, my ss#, dob, nothing.

HELP....

[Anonymous]

Have you disputed or gotten anything removed?

 Have all your accounts aged off?

You have a hard copy of an old report?

[Anonymous]

http://www.myfico.com/CreditEducation/questions/requirement-for-fico-score.aspx

What are the minimum requirements for a FICO score?

There's really not much to it; in order for a FICO® score to be calculated, a credit report must contain these minimum requirements:

At least one account that has been open for six months or more

At least one undisputed account that has been reported to the credit bureau with in the past six  months

No indication of deceased on the credit report (Please note: if you share an account with another person this may affect you if the other account holder is reported deceased).

[haulingthescoreup]

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@rycoop wrote:

I have no score from Equifax. I did have one and have had one and now it's completely gone. My credit union said I was a no score and nothing on my file, then I looked into it and sure enough.. I'm gone. I tried pulling it through MyFico and it said I have no credit history with that CB and I can't purchase a score. This is really bugging me. Has this happened to anyone else? I even called EQ and the lady said that they don't have me in the system as having enough credit (6 or more months). I'm confused. I asked about a "split file" and they have NO other file on me, my name, my ss#, dob, nothing.

HELP....

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Do you have anything on the other two bureau reports? If you do, are they things like an old CC or a one-time loan from a small local lender, or are they newer accounts? Nowadays, most lenders report to all three CRA's. So if they're showing up on the other two, and not on EQ, and especially if there are multiple accounts from big-time lenders, then it looks like the problem is with EQ.

But if you have nothing with all three, then it's because you've been out of the credit loop for too long.