If you receive a '-1' response on an applicant’s credit report, it indicates that the applicant does not have a scorable credit history. This means:
The applicant has no active credit accounts or tradelines reported.
They likely manage all financial transactions using cash or debit cards and do not use credit cards.
Important Notes:
A '-1' credit score response does not affect the validity of criminal or eviction reports. These reports remain accurate and reliable.
Applicants can still have a comprehensive criminal and eviction history even if their credit report is non-scorable.
For additional clarification or assistance, you may contact TransUnion support directly.