I've been googling up a storm and can't seem to find an answer, so I thought you all might have some advice.
My H has had debt, but no credit cards, and he paid off his last loan about two years ago. So we just recently applied for a loan to get a vehicle. To our surprise, my H no longer has a credit score. I didn't realize it would disappear so fast!
So my question is, when we get credit cards or get a loan (the bank will still loan us money for the vehicle), will my H's credit history pop up again? Is he starting from a clean slate or will everything more recent than 7 years still be on there?
All my googling mostly turns up questions about "my good credit score disappeared and now it's been 10 years," with responses of stuff disappearing after 7 years, so all of that is gone and you're starting fresh. But what if it hasn't been 7 years?
Thanks for any insight you can give me!