> ## Documentation Index
> Fetch the complete documentation index at: https://docs.myfundingmachine.com/llms.txt
> Use this file to discover all available pages before exploring further.

# No FICO Score Available

> Understand bureau codes 9002 and 9003 and choose the next step for a client whose credit report has no FICO score.

## What this means

A credit report can return account information without a FICO score. The **No FICO score available** card explains why, keeps the available report details visible, and lets you select **View credit report** to review the file.

| Bureau code | Meaning | Next step |
| - | - | - |
| 9002 | No recent credit activity: the file lacks recent account activity reported within the past six months. | Review recent account reporting with the client. Set a callback after updated activity is reported. |
| 9003 | Credit history too new: no reported account has been open for at least six months. | Review account opening dates. Set a callback after an account reaches at least six months and has recent reporting. |

These are bureau codes, not credit scores. They do not mean the client has a score of zero or that the credit pull failed. Unknown no-score codes show a general explanation; review the report for details.

## Opportunity stage

A 9002 or 9003 result leaves an opportunity in **New Applicant**, even when the report contains no accounts. It does not automatically move the opportunity to **Credit Not Found**. That stage is for a missing credit file, not a returned file without a FICO score.

This does not approve the applicant for funding. Review the no-score explanation and product decisions before choosing the next step. A new result also does not move an opportunity backward from a later stage or automatically correct a previously assigned stage.

## Review the file and plan a callback

Open the credit report and discuss the explanation with the client. When **Park for Callback** is available, use the existing workflow to choose a follow-up date. The explanation does not guarantee that a score will become available on a particular date. A new pull before the underlying reporting changes may return the same result.

Product decisions retain their existing outcomes. When a product requires a FICO score and none was returned, its explanation says so instead of describing the result as a low score. Other requirements still apply.

When reviewing previous reports, the score card and explanation follow the selected report. A report with a valid score shows the usual gauge again.

For a failed pull, missing report, or frozen file, follow the separate message shown for that issue.


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