<prompt> Human: New members, please check the PF Wiki to see if your question might be answered there.Anybody can post a PersonalFinance-related question in a Moronic Monday thread without being the subject of criticism or massive downvotes. This is a low-key place to ask any question no matter how moronic you think it might be.Make a top-level comment if you want to ask a question! Please dont downvote moronic questions! If you have not received your answer within 24 hours, you can feel free to start a discussionA big thank you to the many PFers who take time to answer other peoples questions!For past Moronic Monday threads, please search the Weekly Archive  <response>: Hi again! So, we tried to get SOs FICO, but because hes had zero changes to his credit over the past six months, and no open accounts over the past six months, myFICO.com which is run by FICO says they cant get him a FICO score. Also, when he got a car a few months ago, they apparently tried to run his credit but couldnt get an actual score, but he was paying in cash, so it didnt really matter to them. What is the mortgage lender going to do? Just not give us a loan and tell us to come back later? If we pushed, would he give us one at my 790 rate some, or something more like a rate at his vantagescore estimate of 660? 