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What are the minimum requirements for a FICO score?

There's really not much to it; in order for a FICO® score to be calculated, a credit report must contain these minimum requirements:

• At least one account that has been open for six months or more
• At least one undisputed account that has been reported to the credit bureau with in the past six months
• No indication of deceased on the credit report (Please note: if you share an account with another person this may affect you if the other account holder is reported deceased).

• What's in your FICO score?
• What's not in your FICO score?
• Do FICO scores change that much over time?
• Authorized users – what it is and why it's not a great idea
• Some things you might not know about how FICO is calculated
• Income doesn't matter to FICO!