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Still No Score?

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xXIDaShizIXx
Established Contributor

Still No Score?

So, as you guys know I have three cards, Cap 1 for $500, BoA for $500 (both secured), and AAMCO Car Care One for $1000. I have on time student loan payments as well. My AAoA is 1 year 8 months and my oldest is nearly 4 years (student loans). I have my 6th statement for my Capital One Card, 4th Statement for my CC1 card (which I didn't get an increase after the 4th statement Smiley Sad ), and my 2nd for my BoA card. I have no derogatory information on any of my accounts. Yet I still have no FICO score. At this point I am seriously confused. I have done everything right and yet I still haven't generated one in any of the three bureaus. What should I do from here?

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 1 of 15
14 REPLIES 14
coldnmn
Mega Contributor

Re: Still No Score?

Give it more time it all depends when the 6th statement from Cap1 posts. It is strange that with 1year 8 months of AAoA that you have no score. It could be your student loans are not reporting to credit bureaus.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 15
xXIDaShizIXx
Established Contributor

Re: Still No Score?


@coldnmn wrote:

Give it more time it all depends when the 6th statement from Cap1 posts. It is strange that with 1year 8 months of AAoA that you have no score. It could be your student loans are not reporting to credit bureaus.


See I thought that too, but they are, to all three. Thats why I'm confused. I really don't know what to do at this point.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 3 of 15
xXIDaShizIXx
Established Contributor

Re: Still No Score?

Also, has anyone else had this problem before?

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 4 of 15
coldnmn
Mega Contributor

Re: Still No Score?


@xXIDaShizIXx wrote:

@coldnmn wrote:

Give it more time it all depends when the 6th statement from Cap1 posts. It is strange that with 1year 8 months of AAoA that you have no score. It could be your student loans are not reporting to credit bureaus.


See I thought that too, but they are, to all three. Thats why I'm confused. I really don't know what to do at this point.


Are you trying to get your scores from MyFico?

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 15
xXIDaShizIXx
Established Contributor

Re: Still No Score?


@coldnmn wrote:

@xXIDaShizIXx wrote:

@coldnmn wrote:

Give it more time it all depends when the 6th statement from Cap1 posts. It is strange that with 1year 8 months of AAoA that you have no score. It could be your student loans are not reporting to credit bureaus.


See I thought that too, but they are, to all three. Thats why I'm confused. I really don't know what to do at this point.


Are you trying to get your scores from MyFico?


Yes.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 6 of 15
coldnmn
Mega Contributor

Re: Still No Score?

Try contacting MyFico through the support at top of page they also have an 800 number.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 15
xXIDaShizIXx
Established Contributor

Re: Still No Score?

I called. They said that I should have at least generated a score with at least one bureau but haven't. They said all they can think of is to try again when all of my accounts have aged to at least a year. Which is odd because I thought only ONE had to be 6 months?
Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 8 of 15
coldnmn
Mega Contributor

Re: Still No Score?


@xXIDaShizIXx wrote:
I called. They said that I should have at least generated a score with at least one bureau but haven't. They said all they can think of is to try again when all of my accounts have aged to at least a year. Which is odd because I thought only ONE had to be 6 months?

Well then I would contact the credit agencies. That sounds like total BS! Smiley Frustrated Good Luck! Smiley Happy

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 15
xXIDaShizIXx
Established Contributor

Re: Still No Score?

I have and they are all reporting correctly. It's just that I'm not generating a score from any of them. Would that not be on MyFICO's end? I'm confused and can't figure out why this is happening. Smiley Sad
Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 10 of 15
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