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Question By
6399son

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in 2010 i had a score of 715 now they cant fid anything
been in prison 6 years

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Sounds like you need to start over with your Credit.

would suggest a Secured Credit Card.

Reply by
rjday63

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By Federal Law, your accounts, if closed or inactive, must be cleared from your credit report after 7 years. You are now a ghost and may start over. 

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Reply by
JohnnyRain127

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What Federal law(s) you are referring to? Because closed account in good standing can and often do, last up to 10 years from the closing date. 

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If you don't have credit activities for long period of time, your creditors eventually will stop updating/reporting your accounts to Credit Bureaus, then, credit scores cannot be formulated. You still have credit reports just no credit scores. 

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