If you receive an application back and there is no credit data available for the applicant, that is a common result. The applicants may truly not have an existing credit record, or they may have a record that exists, but Experian does not have enough trade lines to build a report or score. There are roughly 26M+ consumers like this who are considered “credit invisible”. Check out the link below from Experian’s website for more information about what it means to be credit invisible:
https://www.experian.com/blogs/ask-experian/what-does-being-credit-invisible-mean/
If the applicant is adamant that they should have a visible credit record, we can reset their application for them at no additional cost to the applicant. The applicant can reach out to us at 513-964-0172 or Support@Innago.com to submit a request.
