Hi there!
- That must be super frustrating!.. but apparently 45M Americans don’t have a credit score, so you are by no means alone
- Elsewhere online here’s one reason cited for not having a score: Because your scores are based on information in your credit reports, your reports might not contain enough credit history for the bureaus to score
- Even if you don’t have scores yet, you might have information on your credit reports. The three major credit bureaus — Equifax, Experian and TransUnion — create your credit reports based on information from lenders and card issuers
- So if you’ve opened a credit account in the past, you probably already have a credit report. However, you’ll only see a score if your report shows recent activity — generally within the last 24 months. I checked with the FTC and came across this link: https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report
- Maybe it’s worth just seeing what your report says… keep in mind this is what they say is required: “You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Note that you'll need to provide your name, address, social security number, and date of birth to verify your identity."
Anyways, sorry – must be really frustrating… and let us know if you're at least able to get a glimpse of your report (which again, you may have without having a score).
