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Unable To Obtain Score - Error

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jetlifeual
New Member

Unable To Obtain Score - Error

Hello,

 

As of the last roughly ~2 months I've been having an issue where on Equifax and Experian any attempts to soft pull are met with various versions of "Unable to obtain score." In some instances, it states a score can't be calculated due to lack of recent activity, in others nothing at all. I can pull both reports just fine via their respective websites, but no service I try to use to do a soft check for approval has been able to pull anything. In the calculated score space all they show is "N/A."


I have tried to reach out to both companies via email, but one went completely silent and the other had no idea what I needed help with. First they thought it was a business credit inquiry, then once I clarified, they went down a rabbit hole that had nothing to do with my request. I've also tried to call, but Experian just sends me down an infinite loop where I never come across a human and Equifax does similarly. 

 

I tried waiting, but a couple of months in and no dice. Anyone ever experienced this and know how I can rectify it? Yes, my credit profile is active and it sees constant updates. 

Message 1 of 8
7 REPLIES 7
coldfusion
Credit Mentor

Re: Unable To Obtain Score - Error

Try filing a CFPB complaint?

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 8
Slabenstein
Valued Contributor

Re: Unable To Obtain Score - Error

How many months of recent credit history do you have?  If it's less than six, you wouldn't have any FICO scores yet.


Message 3 of 8
Thomas_Thumb
Senior Contributor

Re: Unable To Obtain Score - Error

You can have 20 years of credit history with no score; if you have no account activity reported in the last 6 months. Accounts can be classified as dormant if not used. Closed accounts are not considered active although they impact credit score in age related and credit mix scoring metrics. (Also, if the closed account has a balance, it can impact aggregate utilization).

 

If your accounts have been dormant and a new account is activated, or a dormant account re-activated, it might take 6 months to build activity history and for Fico to re-generate a score.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 4 of 8
jetlifeual
New Member

Re: Unable To Obtain Score - Error

I've had a credit score since around 2006. So age/timing shouldn't be an issue here. 

Message 5 of 8
jetlifeual
New Member

Re: Unable To Obtain Score - Error

I just opened a United Quest card in October, have a car note, a few loans, bunch of credit cards I use and pay monthly. I have scores, but for some reason when a pull is done, at least a soft one, it shows as N/A. 

Message 6 of 8
CorpCrMgr1
Valued Contributor

Re: Unable To Obtain Score - Error

Do your CS appear on anywhere? i.e. MyFICO for Equifax?

Message 7 of 8
Thomas_Thumb
Senior Contributor

Re: Unable To Obtain Score - Error


@jetlifeual wrote:

I just opened a United Quest card in October, have a car note, a few loans, bunch of credit cards I use and pay monthly. I have scores, but for some reason when a pull is done, at least a soft one, it shows as N/A. 


Can a credit report or reports be frozen selectively to require access thru HPs only? Could there be a split file under your name? A Credit Bureau CSR might be able to help.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 8 of 8
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