Why can some files receive credit bureau scores?
In order to receive a Fair Isaac score, a credit bureau file must contain at least one account that is older than six months, and at least one account that has been reported to the credit bureau within the past six months. Both conditions can be met by the same account, and a bureau file containing just one account can get a Fair Isaac score. In addition to these credit conditions, the bureau file must not contain any indication that the consumer may be deceased. If you are requesting a credit score on one or more credit repository files used to create a merged report or RMCR, and a score is not returned, you must verify that the credit conditions (e.g. at least one account that has been reported in the last six months and open longer than six months) have been met on the file generated by the scoring credit repository. your mortgage credit reporting company, or the repository in question, will be able to help you with this verification.
