Credit scores are calculated at the moment your credit report is requested by a lender using the scoring model selected by that lender. In your case, there may be several reasons a score can’t be calculated. Read on to find out which explanation may fit your situation.

Your Credit File Is Frozen

People sometimes place a credit freeze on their file to protect themselves from credit fraud and then forget to lift it before applying for credit. That’s especially true if it has been a long time since the freeze was added and the person hasn’t checked their report or applied for new credit. If you’ve placed a freeze on your credit file, the lender will not be able to access your report and so a score cannot be calculated. To lift a freeze, visit the credit monitoring service or credit bureau that it’s froze with.

You Don’t Have a Credit Report

A credit score can’t be calculated until you have a credit report, and you won’t have a credit report until you have an account reported in your name. To find out if you have a credit history, you can request a free copy of your credit report from each of the three credit reporting companies—Experian, TransUnion and Equifax—at You are also entitled to a free copy of your credit report from the credit reporting agency that your lender used because adverse action has been taken. “Adverse action” is the term used to describe having your application denied or not receiving the best terms available. Your lender is required by federal law to provide an adverse action notice, which will provide instructions to request your report.

Length of Credit History Is Too Short

Many scoring models require that an open and active account be reported for at least three months, and often as long as six months before a credit score can be calculated. If a VantageScore model is used to calculate your score, it may be able to do so with less history. If you’ve only recently begun establishing credit in your name, it may just be a matter of time before a score can be calculated. Once you have ordered a copy of your credit report directly from Experian and you see that there is credit history being reported, you can attempt to order a free credit score yourself. If a score cannot be calculated for you, a reason will be provided.

How Do I Start Establishing Credit?

If you do not yet have any credit accounts and want to begin building your credit history, here are some ways to get started: