So I called TU and EX yesterday. When trying to pull up TU for hubby it will not come up, he only has 2 things listed on it at this point, BK from 2/97 and a collection acct from 2001. Well, when I called, I ended up speaking to a supervisor and she was VERY NICE. Anyway, She said the reason we can not pull it up to get a credit score is because he has no score, he has no credit. When our loan fell off due to age (thought good accts stayed for 10 years, she said UP TO 10 years) that only left these 2 items, so basically we are starting off new, with NO CREDIT. So we should go to a car dealership that does, Good Credit No Credit loans and we will do well. Confused me, does this make sense. EX basically said the same thing, there is NO credit listed, nothing for credit cards good or bad, no type of loans good or bad, so he is NO CREDIT. Time to start the loan at the credit union.
