My lender tried to pull my FICO scores today and got denied - as not enough information to report on. She also got a fraud alert for address mismatch, but was able to get the info on the report without the score.

I am still not sure if the address issue is causing the problem, or my lack of revolving credit.

At any rate - I want to purchase that home - and need to do something fast! I did get added as an AU to a relative's excellent and old account - but that just happened today.

What do I need to do to ensure it reports for me?

Second - Since they tell me having NO revolving credit is an issue - can I go get a secured card with say a $500.00 limit from a local credit union - to give them what they want to generate the score?

How long should it take to get that card - and have it report? I would hope that may help fix my address problems also.
Would the CU pull my credit if it is a secured card? I am concerned that my address issues will still prevent me from getting credit.

I have sent (2) CMRR's to the CRA's with my current DL, SS card copy, and several utility bills showing both my mailing address and street address - but only EQ has updated correctly. EX flat out refuses - telling me that addresses are reported by creditors.

How am I supposed to get a creditor if they can't verify my address? I guess the next step is the ITS letter for EX.