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What are the minimum requirements to produce a FICO® Score?
There’s really not much to it; in order for a FICO® Score to be calculated, a credit file must contain these minimum requirements:
- At least one account that has been open for six months or more
- At least one account that has been reported to the credit reporting agency within the past six months
- No indication of deceased on the credit file (Please note: if you share an account with another person and the other account holder is reported deceased, it is important to check your credit file to make sure you are not impacted).