How to Make Sure You Will Have a Credit Score
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Video duration: 00:06:01
Credit scores aren’t given out automatically. You have to have certain information in your credit file in order to generate a score. Watch this video to learn what you need to do to ensure that your credit report is scorable by both FICO and VantageScore credit scores.
0:45 Does everyone have a credit score?
1:20 Failing the minimum scoring criteria
1:44 What are the minimum credit scoring criteria?
1:50 VantageScore minimum credit scoring criteria
2:14 FICO minimum credit scoring criteria
2:22 An undisputed account older than 6 months
2:42 An undisputed account updated within the past 6 months
2:53 No deceased indicator on your credit report
3:34 Can one account satisfy all the scoring criteria?
3:53 Disputed accounts
4:12 What happens if a lender checks your credit and you do not have a credit score?
ABOUT CREDIT COUNTDOWN
Credit expert John Ulzheimer shows you how credit works. Having worked in the credit industry for nearly three decades for companies such as FICO, Equifax, and Credit.com, John Ulzheimer is one of our nation’s most sought-after credit experts and the leading authority on credit-related topics.
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