Trying to buy a house, and Experian is reporting "no score"
Date: Thu, 05/24/2012 - 16:26
My lender ran the numbers and my scores are 644, 604, and Experian is not giving them a score, "because they may not have enough information about your credit history to report a score." according to the paper they mailed me. This is screwing me, because if I had a score through them, even a poor one, I would be able to get a home loan because the company goes with the middle of the three scores. Now that I only have two scores, there is no middle so I cannot get a loan.
My girlfriend added me as an authorized user on her Capitol One card about 1.5 months ago. She pays it off every month and carries a low balance. I had my loan guy run my scores again this week, and I still don't have an experian score.
Can anyone tell me the best way in the short term that I can get Experian to report a score for me?
My girlfriend added me as an authorized user on her Capitol One card about 1.5 months ago. She pays it off every month and carries a low balance. I had my loan guy run my scores again this week, and I still don't have an experian score.
Can anyone tell me the best way in the short term that I can get Experian to report a score for me?
Also, I forgot to mention. I have a car loan in the amount of $
Also, I forgot to mention. I have a car loan in the amount of $9,000 which I pay on time every month. Unfortunately, they do not report to Experian, which is why I'm assuming they cannot calculate a score for me.
