Carrie attempted to acquire her credit score, but she was unable to do so. Why was she unsuccessful?

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Question: Carrie attempted to acquire her credit score, but she was unable to do so. Why was she unsuccessful?

Option 1: All of the options provided are viable reasons as to why Carrie cannot obtain her credit score.
- This statement suggests that each of the other options could independently explain why Carrie cannot obtain her score. Since the other options present plausible barriers to accessing a credit score (no recent activity, no long-standing accounts, or an error on the file), it is reasonable to consider that more than one factor could contribute to being unable to retrieve a score. However, the assertion that all possibilities are viable should be evaluated against the specific data from a consumer report, which can vary by bureau and individual circumstances.

Option 2: Carrie must not have had any credit activity within the last 6 months.
- In practice, a lack of recent credit activity can lead to a missing or unavailable score for some scoring models or consumer-reporting scenarios, because there may not be enough data to calculate a reliable score. Yet this is not a universal rule across all scoring systems or situations. Some models can generate a score based on historical data even if there hasn’t been activity in the most recent period. Therefore, stating that no activity within the last 6 months universally prevents scoring is an overgeneralization and may be incorrect in many cases.

Option 3: Carrie probably didn't have a credit account that was 6 months or older.
- This option posits that a minimum age for an account is required to have a score. In reality, credit scores are typically built from a history of credit usage, which often includes accounts that are older, newer, or a mix of both. While some scoring methods may require established history, it is not a strict universal prerequisite that allows no score if there isn’t an account that is 6 months or older. Therefore, this claim is an overstatement and can be misleading without additional context about the scoring model used.

Option 4: Carrie might have an error on her file stating "Social Security number reported as deceased."
- An error like a deceased SSN on a file could indeed block access to a credit score, because lenders and bureaus rely on accurate identifiers to pull a consumer report. If this error is present, obtaining a score would be adversely affected or blocked, making this a credible reason among others. It’s specific and plausible, though it would typically require verification and correction with the bureau.

Overall, each option presents a credible mechanism by which access to a credit score could be impeded, and option 1 encapsulates the idea that multiple factors could be involved. The remaining options discuss individual potential barriers, with varying degrees of general applicability depending on the credit-scoring model and data quality.

FSOS 1301 (001) Final Exam/Quiz

Carrie attempted to acquire her credit score, but she was unable to do so. Why was she unsuccessful?

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