My wife took a look at her credit report and it is so EMPTY and clean. There is unfortunately/fortunately one collection account (depends if you see a glass half empty or full) 1 credit card (AS AGREED Status) 2 student loans (TOO New status) and thats it... EX lists all and the other two only have the credit card. I guess because of this she doesn't have a score. I am going to try to figure out how we can get more activity going with her credit report for building purposes.