I can no longer get my current fico scores: Error - 135

[Anonymous]

I've been trying to check my ficos all day because TLs have been removed, but I keep getting the error page listed below. I called the customer support number and they said it's probably because I moved in the last 6 months and when I first registered here I was still living at my old address. They said if I update my current address with TU and EQ that it would probably fix the problem and gave me their numbers which of course is a big pain of mailing documents and waiting periods. This process sounds like a total load of poop because the current address on all my reports is ancient yet it allowed me to check them the first time I registered here. Has anyone else had this problem and know what to do? I was excited to check my score and now I'm really sad. 

Our apologies, an error has occurred... Thank you for your interest in FICO-Scored TransUnion Credit Profile.We regret we are unable to fulfill your order request because your credit report does not currently contain enough information to meet the minimum scoring criteria required to calculate a FICO® score. In order for a FICO® score to be calculated, a report must contain:

1. At least one account which has been open for six months or more.
2. At least one account that has been updated in the past six months.
3. No indication of deceased on the credit report.

The minimum criteria is designed to ensure that there is enough recent information in the report on which to base a FICO® score.

If interested, you may obtain a copy of your TransUnion Credit Profile online (without FICO® score) by clicking here,which will link you to TransUnion who will process your request.

Your credit card has not been charged for this request.You may see a pre-authorization for the purchase price on your credit/debit card. These funds are held temporarily and will not be posted as an actual charge.

Your credit report was accessed to provide this service, which will be reflected by a Fair Isaac inquiry that the credit bureau will post to your credit file. The Fair Isaac inquiry is labeled such that it will not affect your credit rating.

Thank you
myFICO® Customer Care

Message Edited by jaystay on 02-18-2010 01:18 PM

[llecs]

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jaystay wrote:

1. At least one account which has been open for six months or more.
2. At least one account that has been updated in the past six months.
3. No indication of deceased on the credit report.

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Have you met the above on your TU report?

[Anonymous]

Ok, so I just called again to complain and she asked about my last 6 months of credit activity. All I have on my CR that is not super old is 7 defaulted school loans so all I had on my reports last time I was able to get my score in Sept. '09 was a total of 15 negative TLs (7 were from the original lender, 7 from the guarantor, and one random one for a returned check in 2003). I completed rehab on 2/15/09 which is supposed to remove the 7 TLs from the guarantor and I'll remain with 8 baddies until they fall off. The loans got picked up from Suntrust, but I haven't started paying them back yet so their active tradelines aren't on my CR yet.

The last date of activity from the guarantor who I've been paying for the last 9 months for rehab was 4/09 which is almost a year ago. The reason I was able to check my scores back in Sept was because it was still within 6 month time period of activity. She said I need to wait until I start making payments again on my SLs so that I get the new tradelines added and then I'll have current activity which allows a FICO to be calculated. She told me that since FICO is also a measure of how you pay your bills, so its necesseary to have current accounts and use them so they keep being updated. I know this was winded, but does my understanding sound about right? Thanks