This post originally appeared September 8, 2016 on CreditCards.com as “If credit score disappears, here’s how to get it back”
By Barry Paperno
Dear Speaking of Credit,
How does a credit report disappear? I have used credit for most of my life. I am 75 years old and when I recently applied for a loan, I was told I had no credit score. I had one a few years ago. I needed it for something and it was available. What makes the report go away? – Patricia
Let’s begin by clarifying that often-blurred line between credit reports and credit scores, since it sounds like you probably still have a credit report — just no credit score.