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Question By
Pharkus

84 Contributions
46 People Helped
I have NO FICO score even though CreditKarma says I do
I have been living with any credit cards for 8+ years. After I paid off my car loan, I have been living debt free. So I have zero payment history and zero utilization because no credit cards. MyFICO says a FICO score cannot be calculated until there are 6 months of payment history on a revolving account. All my on time payments on car debt don't count. So how is CreditKarma able to estimate my score at 604 when real FICO says I have NO HISTORY to report.

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Top Contributor
1777 Contributions
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Different Credit Score Models have different requirements. 

Remeber the Credit Scores here ARE NOT FICO Scores, but Vantage Credit Scores.  Totally different Credit Score Models.

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