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As others have said, FICO scores don't go that low. Perhaps the most plausible explanation is that somebody forgot to debug their computer program.
I have both creditkarma and transunion. I actually pay for my transunion service. I also have a 3 bureau report, and all of them either list no score, or something very small. IF had been this way for a month, so I think it may be something else.
Sounds like the running gag in "Man Stroke Woman" where whenever a number is requested, the person responds with a "Four." If they get looked at quizzically, they just keep saying "Four" until number is in the right range. "What is your phone number?" "Four... four...four." (Quizzical look) "Four, four, four four." Whomever wrote the site may just have had a sense of humor.
I have both creditkarma and transunion. I actually pay for my transunion service. I also have a 3 bureau report, and all of them either list no score, or something very small. IF had been this way for a month, so I think it may be something else.
I know Credit Karma uses FAKOs, TransUnion has their own score as well but they may provide the FICO score depending on what service you're paying for.
Bottom line, as has been mentioned there is no FICO score under 300. If you don't have enough credit history reported to generate a 300 FICO it will come back as "no score". If it's 0 or 4 or any number less than 300, it's a simulator but it essentially means the same thing, there's not enough history to create a valid score.
I just ran my credit score.....the webpage shows "404....."
is that my credit score?
oh, never mind....my internet was choppy...It was just a '404 error....'
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