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No Fico Score

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Anonymous
Not applicable

No Fico Score

I have about 11 years of history with three paid and closed installment loans and a paid and closed cc not one single late payment, but they were all over 8 years ago.  Now that I want to buy a house, I don't have a fico score.  I opend a secured credit card three months ago and my wife added me as an authorized user on her amex with a CL of $28,300 and 8 years of perfect history.  

 

Do I just need to wait for 6 months of current history?  Do I not have a score because I had no open accounts for so long?

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2 REPLIES 2
Anonymous
Not applicable

Re: No Fico Score

You would need at least one account that has been open for 6 months or more. 

 

Being an AU should have given you instant history from that account.  Are you sure it is reporting to all 3 CRAs?

Message 2 of 3
AndySoCal
Senior Contributor

Re: No Fico Score

Being added as an authorized user will give you score when the account is reported.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
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