There are things called "enhanced" scores that use different factors to come up with a score for thin accounts... and vantage I think has this built in.... not a FICO score but usually some variant of vantage or Credit Bureau specific new account score.....
Thats how you got a *score* .....
btw thats a major derogatory and fico likely isnt gonna put you in the 700s for it... depending on its age..
-J
