Ask Terry Questions Credit reporting — fico score is unscorable

Credit reporting — fico score is unscorable

By Terry Savage on August 30, 2025 | Credit/Debt

HELP, granddaughter’s poor credit rating improved to 670. In one week Experian says that FICO SCORE8 is now UNSCORABLE. 670 to -0- in one week! Tried to get info or contest with Experian. Nothing to contest or question, there is no info. Help. Where to go? What can be done?

Terry Says

First of all, she needs to get her credit REPORT from all three agencies — for free. Go to AnnualCreditReport.com to do that.

I can’t imagine that her credit report would not be available at any of the three bureaus. Maybe she has inquired too many times and they suspect fraud.

Another way to get her current credit score FREE is to go to CreditKarma.com. That should take less time.

If you still have a problem, please write back. Oh — and please let HER do the work on this. She needs to learn.

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