Can't get MyFico Score :(

jbishop1001 · ‎05-11-2014

I tried signing up for ScoreWatch - but MyFico said it couldn't identify me because my birth date was missing. Well, the error has been corrected and there is still a problem.

Could it be because I have little history on Transunion? I believe there are only collection accounts.

And on Equifax I had an installment loan that was open for 3+ years. I did have a "fraud alert" (accidentally) but was informed it was removed also.

I recently got a credit card, but I know that wont count until 6 months in.

Why can't I get my fico scores!!

Starting Fico 8 Score: 571 EQ - 574 EX 605 TU Current Fico 8: 695 EQ 677 EX 709 TU

myjourney · ‎05-11-2014

Have you pulled your CR's lately I noticed you stated "I believe there are only collections"

If not see what's there

https://www.annualcreditreport.com/index.action

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

jbishop1001 · ‎05-12-2014

Yes, actually I just got my Transunion one in the mail today.

Only collections and my open secured credit card that's only been reported for 1 month.

Equifax has 3 collections, my cc, and my closed "installment loan" from my utility company.

Starting Fico 8 Score: 571 EQ - 574 EX 605 TU Current Fico 8: 695 EQ 677 EX 709 TU