There are a few different reasons an applicant’s credit report may not have a credit score. The most common reason is that not enough records exist to create the report. This can happen if your applicant has not opened a credit account, or no accounts have been reported to Experian. In rare cases, there may be other reasons why a credit report can’t be pulled or a credit score can’t be generated.
If your applicant does not have more details, encourage them to reach out to Experian directly for more information on their credit file, as Zillow representatives do not have access to their personal information. Here are the contact numbers for Experian: