Why don’t I have a credit score anymore?

To have a credit score, there must be information in your credit report that can be used for the score calculation. If you had a credit score before but no longer have one that means there is no information in your credit report that can be used to calculate a credit score. You may have a credit report, but still not have a credit score. This can happen if you closed your credit account and there has been no credit activity in the past 24 months.

Sometimes, you may not have a credit score even if you have open credit accounts. This can happen if your lenders do not report your credit activity to the credit bureaus. Lenders are not required to report your credit activity, so some of them may report to one, two, or none at all. So if you check your credit scores and there are none, it means that your lender may not have reported your credit activity to the credit bureau(s).