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The question would be, "which bureau is the FICO score being generated from?" The report that the FICO score is based off of is showing no credit card, while Experian does. Find out which bureau the FICO score is being generated from. Contact that bureau, and ask if that information is being reported to them. if it is not, contact the credit card company directly and ask them to report that information to whichever bureau is not reporting it.