TU FICO not available due to not enough information????

[Anonymous]

I just tried to pull my TU score here on myFICO and the response I got was there wasn't enough info to pull a score.  I went to TU and got the FAKO with no problem with all of my history intact.

Has anyone had this happen before?  Is there anyway to get my FICO?

Thanks in advance.

[Anonymous]

When you pulled your TU credit report, what is on it?  What accounts?

[Anonymous]

My last two car loan (both paid)

3 paid and closed credit cards.

Mortgage paid and closed.

1 collection account paid and closed.

[AndySoCal]

If the accounts have been closed / no activity for at least six months you would not get a FICO score. The site you got the a score from was probably using a score model that did not have criteria mentioned above.  Acitivity is chrage or a payment on the account either one is sufficient. I would suggest going to your bank / credit union and apply for a credit card. After getting the card use it couple of times a year after six months you will get a FICO score. The purchase made does not have to be a big amount.

[Anonymous]

I would suggest you call customer service. It could be an issue of not being able to identify your identity and have you answer some questions.

[nothingman02]

I think there are specific requirements for your FICO to be available. One of them I think is that you should have something reporting in the last six months or something. I am not entirely sure but you could search the forums. If such is the case you would not have FICO until you meet those requirements. Of course you can still have a FAKO as my DW found out.

And of course, it could just be an issue with verification. 

[Anonymous]

Looks like it could be any of the above.

Looks like I'll have to get some kind of activity going.

I'll take a look throught the forum to see who reports to TU.

Thanks to all.

[Anonymous]

It is my understanding that if you have accounts with open dates older than 6 months, you will be ok.

I don't think the accounts have to have shown activity in those 6 months.

I would call customer service really. It could be an issue easily fixed.

[AndySoCal]

A couple of questions: 

Do you have any active lines of credit not showing on ther Trans Union Credit report?

If the answer is yes to the above question and that creditor reports to Trans Union then call TU customer service should be able to helo correct the problem and you would get a FICO score.

Are the paid off installment accounts and paid and closed credit cards all paid over 6 months ago?

If the answer to the first question is no and the answer to the second question is yes. You are correct you would need to get some activity going. Check with bank or credit union and ask them wich credit bureaus they report to for a credit card account.

Does Equifax give you a score from my FICO?