Auto Loans

[coroc]

Hi i am a new credit card holder. Ive only had my card now for 5 months. Ive made all my 5 payments in full never missed never late and dont plan on being. Last time i checked my CK my score was 738. If i continue to do good by my credit how long would i have to wait to get a appoval from Cap One for a auto loan?

Small Note- No negatives or anything bad at all on credit report

[blackie1]

Well if I was you the first thing I would do is buy a true fico credit report from this website as you can not get a true reading from Credit karma and if your score is anywhere close to 738 you will be able to a loan from Cap one tomorrow!  Good Luck!

[coroc]

Thanks for the advice But is it true it takes 6 Months before i can get a real fico score? Or can i get one now?

[blackie1]

Yeah, to get the true fico score just go to the top of the page where it cays check fico score, click on it, pay 19.95 and you will have it immediately!

[Walt_K]

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coroc wrote:

Thanks for the advice But is it true it takes 6 Months before i can get a real fico score? Or can i get one now?

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Yes, there are minimum requirements before you will have a FICO score:

• 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).