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Experian does not meet the minimum scoring criteria required to generate a report..What?

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Eric958
Established Contributor

Experian does not meet the minimum scoring criteria required to generate a report..What?

We regret that we cannot provide you with your FICO® Score and credit report because your credit data at Experian does not meet the minimum scoring criteria required to generate a report. If you were using a credit card for this purchase, your card was not charged. You may have the minimum scoring criteria needed to generate a FICO® Score and credit report at one of the other national credit bureaus. Does anyone know what this means? regardless of score I still should have a report!




Never Give Up!!
Message 1 of 6
5 REPLIES 5
jamesdwi
Valued Contributor

Re: Experian does not meet the minimum scoring criteria required to generate a report..What?

according to Experian you have no open tradelines that are at least 6 months old, to have a report you need at least one entry that is 6 months old. Do you have or had any credit cards in the last 7-10 years?

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
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Message 2 of 6
Anonymous
Not applicable

Re: Experian does not meet the minimum scoring criteria required to generate a report..What?

This seems to indicate that you don't have anything in your file. If you have info in your credit report it might be some sort of error on their part.
Message 3 of 6
Eric958
Established Contributor

Re: Experian does not meet the minimum scoring criteria required to generate a report..What?

I have 6 TL in good standing 8 yrs old {closed/paid} I have 6 TL status are IIB from 2011 not discharged yet. {ch13} was only able to get score and report from Equifax.




Never Give Up!!
Message 4 of 6
TheGardner
Valued Contributor

Re: Experian does not meet the minimum scoring criteria required to generate a report..What?

This is odd. Are the accounts all listed as disputed?

This may be a good data point for Exp 08 model if for some reason it discounts closed accounts (hard to believe especially if included in BK).

I would request a free copy of my report see how it is reporting.

* second person saying no scores on EX with closed accounts reporting.
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 5 of 6
TheGardner
Valued Contributor

Re: Experian does not meet the minimum scoring criteria required to generate a report..What?

Maybe derogatory accounts will pull down scores only with open accounts reporting until then no scores in 08 model?

Other guy had no derogatory so closed accounts will lift his scores when a TL reports?

Odd, just odd.
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 6 of 6
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