Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Date XXXX I was transferred to several different XXXX XXXX people. They, XXXX  Credit Bureau told me that my credit history is too young having no credit history in the past 6 mos but I have been paying a personal loans in the recent past years their saying that the loan co. didn't sent it to the bureau. For a long as I can remember all credit history os reported to all 3 bureaus then if not, what is there use. My Stiudent loans paid/closed. I told the bur rep tht all of my student loans are paid/closed. He said it would be corrected and sent me another credit report. Then I went to request my credit score they tell me that no credit score is available because credit history is too young. I went online to get my credit score. It reads score not available. 
I have paid off mortgage loans and a few loans that I am paying now. Then, they say companies use different credit bureaus these days. Then tell you to call the different loan cos. to see why my credit history is not being repoted to all three bureaus. Then they give you the run around because the different cos. say they dont have anything to do with that you have to call the credit bureaus. They tell you to call each other back. 
My XXXX  and XXXX  credit reports should have a higher score given the loans I have paid off on time. 
XXXX  online login reads all this mumbo jumbo stuff : XXXX, here are your XXXX  XXXX  Scores Showing report for : XX/XX/XXXX Score Rating Learn about credit undefined XXXX, you're pre-approved for an offer from our partner XXXX XXXX XXXX. 
About 90 % odds of approval, subject to final checks __ Why is my XXXX  Score Unavailable Certain minimum scoring criteria must be met in order for a XXXX  Score to be generated, which likely explains why you aren't seeing one as a part of your membership right now : 1. You have few or no accounts with sufficient history One reason your score may not show is that all your trade lines of data are still quite young. One of the minimum scoring requirements is that you have at least one credit obligation that's been open for at least six months. If you're just starting out in estab-lishing your credit profile, it may take up to six months for the minimum scoring criteria to be met. One thing to note in the meantime if all your newly-opened credit accounts are revolving accounts, making at least one transaction on one of the revolving accounts could help satisfy the minimum scoring requirements. Recent account activity is a minimum scoring criterion. 
2. There's no recent account activity You may not see a XXXX  Score for another reason if the accounts in your report have not been updated in the last six months. Fortunately, shaking that inactive status can be as easy as activating any revolving account by using it in the near future. While a lack of account activity may mean that you've been doing an excellent job at managing your finances by controlling your spending especially if you're working to pay down debt having even a small purchase on a revolving account that's reported can keep that account active. 
No revolving accounts on your credit report? You may need to open ( and use ) a new revolving account or an installment-type account where activity can be reported on the account in the future. 
3. You may have been reported as deceased Your credit information is a personal thing that's attached to you alone, and when you pass away, it ends. It's never passed onto or inherited by another person. When you pass away, the credit bureaus must be notified, and your information is updated with a deceased status to protect against identity theft since non-living persons can't have credit scores, or use their credit any longer. It is possible to discover that you've been incorrectly reported to a credit bureau as deceased. While surprising, it's a simple fix : simply contact each of the credit reporting agencies via their consumer hotline and work with them to confirm your identity. 
Learning how to master your finances can be a challenge when life gets in the way. But getting your XXXX  Score powered by XXXX  should be easy, and we're here to make sure you can get the information you need. Understanding how you're using credit and how it can look to others helps you prepare for life 's big moments that lay ahead. 
This article is provided for general guidance and information. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions. 
Published by permission from XXXX , XXXX, an XXXX  company. XXXX XXXX, XXXX All rights reserved.

Company response to consumer: Closed with explanation