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Creditscoresmakenosense

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how come the reports say I dont have credit history. I have paid off car loans and mortgages?
I am blessed with high income and dont need to borrow.

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Top Contributor
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Are those things you paid off still on your credit report? And or, do you have any line of credit showing on your credit report? If there is nothing on your credit report, then scoring models have nothing (good or bad accounts) to calculate your score with....Income, assets, savings, cash, retirement funds... ect aren't part of your credit scores.

Top Contributor
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maybe it's been awhile?

if those were a long time ago (like over a decade ago) they may be too old to add in your report

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