Product: Credit reporting or other personal consumer reports

I believe my credit score is totally inaccurate and I am very upset about it. 

I recently, XX/XX/XXXX, sought to obtain my free annual credit reports from all XXXX agencies : XXXX, Equifax and XXXX. And, shockingly, my XXXX score is only a XXXX. Same for Equifax. And, XXXX just said " unscorable ''. 

The reasons listed are lack of sufficient account information, you have either very few loans or too many loans with delinquencies, lack of sufficient relevant bank card or credit card account information, and the date you opened your oldest bank card or credit card account is too recent. 

I am almost XXXX XXXX XXXX. I have a credit history dating back to XXXX. I have no debt. My mortgage is paid off, my car is paid in full, my utilities, bills, and credit card balance is paid in full and on time every month and my student loans were paid off decades ago. I make almost {$100000.00} a year, have money in the bank and my retirement account. I am totally debt free and despite having decades of best financial practice, I'm given a score of XXXX '' Fair ''!! 

I called XXXX and was basically told " I need to take out a loan or open more credit cards ''. Essentially, TAKE ON DEBT to obtain a better score! I don't need a loan and I have no personal need for another credit card. I have XXXX and everywhere I go accepts it and I pay the bill in full every month. I personally don't have a need for another. 

Compounding this, my husband has a credit score of XXXX! We have been married for XXXX  years and all of our accounts, including our past mortgage, checking, savings, and CD 's are all joint. The only thing not joint is our credit cards to which we each have our own. 

I feel angry and used. I booked an appointment with a credit consulting agency and they suggested I contact you. They basically told me that a credit score is a " game '' and " part of a system '' by which the rules are such that " the system '' wants you to have loans and credit cards in order to obtain a decent credit score. -- Essentially, have and take on debt!

I asked, " what am I supposed to do? Take on a loan when I don't need one? Am I suppose to have debt until the day I die or else have a poor credit score? '' They had no answer for me other than to write this letter to you.

Again, I've done everything right my whole life and I feel totally used and angry. Looking at my XXXX Credit Report from XXXX, it still said " unscorable ''. -- It's been XXXX years!! 

I am attaching copies of my credit reports from XXXX, XXXX and XXXX so you can see recent years of my paying all bills on time. There is and has never been anything delinquent. My " most recent account '' is decades old and I have over XXXX  years of credit history. I am also attaching a copy of my husband 's credit report which even more emphasizes the lack of justice of my credit score considering we've been married and financially joint for XXXX  years! 

I recently obtained insurance for my home and auto last Fall and according to their own statement, they state that my credit score is pulled and used to determine my premiums. So, I'm now dead certain my insurance premiums are higher than what I deserve as well! 

Please help!!!!! Just why??! I feel punished instead of applauded for being debt free and having all my loans and creditors paid off at this point in my life.