First, check your own credit reports.
You are legally entitled to a free copy of your credit report from each of the three major credit bureaus once per year at www.annualcreditreport.com.
Request yours and verify that the information is correct. You might be surprised at how much the information varies from one report to the next — and it’s possible that an error on one of your credit reports is preventing a lender from generating a FICO® Score.
