Experian is one of “the big three” when it comes to credit reporting bureaus. It’s by far the newest and most modern, using advanced algorithms to calculate a better, more accurate score for users. Experian is also the only platform that helps users build their credit back up and links them with loan offers and credit cards. Needless to say, a lot more people have started to use Experian to help repair and monitor their credit.
What does it mean when your Experian credit score is unavailable, though? The main reason why your Experian credit score may not available is that you don’t have sufficient credit history (or any credit at all). If you know for a fact that you do have credit, though, then there could be a few other plausible explanations as to why your score isn’t showing up.
I’m a big fan of Experian and I’ve used it a lot over the past year to stay on top of my credit and keep my finances under control. While I’ve never encountered this particular error before, I do know my way around the app and I’ve had a couple of friends who have had this error. In this post, I’m going to go over some of the top reasons why your Experian score may be unavailable or unviewable.
Reasons Why Your Experian Credit Score Is Unavailable
Experian first came about in 1996, and since then, it has grown into the biggest credit reporting bureau in the world. It currently has almost 18,000 employees and over a billion credit profiles on-hand.
Unlike Trans Union and Equifax (the other two credit reporting bureaus), Experian is actually on top of their game, for the most part. This means that glitches rarely, if ever, happen. That being said, though, no system is 100% foolproof, so there’s always the chance that some odd behind the scenes glitch is preventing you from viewing your credit score.
Below, I’m going to discuss some of the main reasons why your Experian score isn’t showing up. If none of these seem to fit your particular problem, then you can always call Experian’s help desk and explain their problem to them. Every time I’ve called them, they’ve been incredibly helpful and knowledgeable.
You’re Not An Experian Member
Before we jump into the more in-depth problems, let’s address the most common reason why your score may not be showing up- you’re not an Experian member!
Anybody can use Experian for free, however, certain features will be locked until you sign up for a paid membership. Free users will be able to view the basic information on their credit profile, including their open and closed accounts, total debt, and derogatory credit marks. They’ll also be able to view their Transunion and Equifax credit scores as well.
If you want to unlock your Experian credit score, though, you’ll need to sign up for a membership. They typically offer a 1-week free trial, which is fine if you just need to see your score once. Just remember to cancel the membership before the end of the week or it will auto-renew.
The membership costs around $25 per month, I believe. In my opinion, it’s well worth the fee, and it’s an invaluable tool when it comes to boosting your credit score (which is worth a lot more than $25). That decision is up to you, though. I’m not here to sell you on anything.
Lack Of Sufficient Credit History
Your credit score typically only dates back 7 to 10 years. Records after that fall off and no longer affect your credit. This is true even for delinquent or unpaid accounts! If you haven’t had anything on your credit history for the past 10 years, then you may not have a credit score at all.
This can often happen in marriages or family situations in which only one individual has a credit card or takes loans out in their name. This is also why it’s a good idea for spouses to take advantage of joint credit situations or apply to loans using both of their credit accounts. Two people with great credit are always better than one!
If you don’t have any credit history, this can be fixed easily by opening up a new credit line. Apply for a “secured” credit card (pre-paid), apply for a small bank loan that you can easily pay off, or get your spouse or family member to add you as an authorized user under their credit card. Give Experian a few months to gather data, and you should be able to see your credit score.
One of the easiest secured credit cards to apply for is Chime bank’s “credit builder” card. Simply pre-pay small amounts on it, spend it, and then reload it. Eventually, you’ll get offers for a full-scale unsecured credit card.
There’s A Glitch In The System
As I mentioned, Experian has over a billion credit profiles that they’re responsible for maintaining and keeping track of. They don’t make a lot of errors, but sometimes glitches can happen on their servers. This can temporarily make your credit score unviewable. There have also been reports of some people randomly seeing a 999 o 0 credit score (both of which are impossible).
You Have Duplicate Credit Profiles
Although this is very uncommon, it has happened before. Experian (or one of the other credit bureaus) may have a duplicate file for your account. These two will cancel each other out and leave you with a glitched credit score or none at all. This can easily be fixed by reporting the problem to Experian customer service.
Why Is My Experian Score Different From My Other Credit Scores?
Experian uses far more variables to calculate your credit score than Transunion and Equifax. The latter two have been around since the mid-1900s, and their methods of calculating your credit score are somewhat “outdated.”
Experian uses cutting-edge algorithms to calculate the level of trust behind your credit account. The good news is that this often means that your Experian credit score will be higher than scores obtained from other bureaus. This is the biggest reason I always recommend that people sign up for Experian. You’ll get more credit card and loan offers with your higher score, which can really help build your credit quickly.