help with error first time pulling score from TU and EQ

[rootpooty]

im a first time user so i went to purchase the 14.95 score watch and 2 equifax reports and it tells me there is an error that my equifax doesnt meet the minimum scoring criteria so i tried transunion and was told the same thing. what should i do?

[llecs]

There are minimum scoring requirements in order for a score to be generated. Make sure all of these apply:

• At least one account that has been open for six months or more
• At least one undisputed account that has been reported to the credit bureau with in the past six months
• No indication of deceased on the credit report (Please note: if you share an account with another person this may affect you if the other account holder is reported deceased).

[Barry]

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@rootpooty wrote:

im a first time user so i went to purchase the 14.95 score watch and 2 equifax reports and it tells me there is an error that my equifax doesnt meet the minimum scoring criteria so i tried transunion and was told the same thing. what should i do?

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Do you have your credit files frozen at the bureaus?

-Barry

[rootpooty]

last week i pulled my free annual report from annualcreditreport.com.  would that have anything to do with it??? when i called customer service they told me the same thing the other guy just posted that i have to have a credit account open for at least six months in order to generate a score

[haulingthescoreup]

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@rootpooty wrote:

last week i pulled my free annual report from annualcreditreport.com.  would that have anything to do with it??? when i called customer service they told me the same thing the other guy just posted that i have to have a credit account open for at least six months in order to generate a score

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To repeat what llecs posted above:

There are minimum scoring requirements in order for a score to be generated. Make sure all of these apply:

• At least one account that has been open for six months or more
• At least one undisputed account that has been reported to the credit bureau with in the past six months
• No indication of deceased on the credit report (Please note: if you share an account with another person this may affect you if the other account holder is reported deceased).
  

Do all three of these apply to you? It sounds like maybe not, since you're mentioning the six-month-old account thing.

If not, you won't have a FICO score. You will have a report, but not a FICO score.

As soon as you have all three of these (an account that is at least 6 months old + an undisputed account that has updated within the last 6 months + not be dead), you will have a FICO score on that report.

Presumably you're good on #3.