Posts Tagged "no credit score"

Time is necessary before credit score can be calculated

Dear Experian,

My husband and I recently purchased a used car. He makes an annual income of $63,000 and I am a full-time, unemployed student. Because he had zero credit and I had student loans on creating a small credit score, we were only able to sign jointly for the car. He was told being the co-signer would be a great way to start earning credit. He’s tried to get a credit card but continues to be denied for lack of credit. We’ve had the car now for four months and all payments have been on-time. We just ran his credit looking at refinancing the car to a lower interest rate and the account is there, but he still does not have a credit score. Our bank suggested contacting you to see how long it takes before he will begin earning a credit score.

– CJF

No credit history cause for declination, not lack of credit score

Dear Experian,

I moved to the U.S. two years ago and have since applied three times for a department store card. Requests got denied because I apparently didn’t have a credit score. I also applied for a secured credit card which got approved, and I am slowly starting to build my credit score. Unfortunately, I already have four hard requests. How can I remove older requests that were denied due to the missing credit score?

– MPC

Several months of recent history needed to calculate credit score

Dear Experian,

I have “N/A” for a credit score. How do I get that corrected? I have been told by the real estate agent that it is because I have no current debt, and my most recent credit history is a payoff two years ago. I do have plenty of bad credit – hospital bills – but I don’t understand why I don’t have a credit score, good, bad or otherwise.

– TTL

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