I would like to see if opinions on this topic have changed.
What do you (anyone who wants to answer) indicate on an Adverse Action Notice when the applicant has a report, but not enough tradelines to generate a score?
I have been indicating "N/A" for the score and then, in the factor section, I type the verbiage from the credit report, such as "not enough information to calculate a score."
One of my software systems allows this, the other one does not.
And....for the software that DOES allow it, there is a checkbox which states "Score not Available." You would think that checking that box would cause some sort of disclosure to appear on the AAN automatically. It causes nothing.
What say you?.....anyone?
The more you sweat in training, the less you bleed in battle.......