11-01-2012 05:13 PM
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
11-01-2012 08:12 PM
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!
11-02-2012 12:52 PM
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!
11-02-2012 02:42 PM
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?
Yes, there are minimum requirements before you will have a FICO score:
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO