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Help a noob out please...........

New Visitor

Help a noob out please...........

I just paid my first statement on my secured cap one card. $84.93 balance on a $300 limit. I have one collection acct for $85.00 that will paid soon. I have student loans that are all paid and thats it. No other credit cards. Just a lease,cell,electric and comcast in my name. Before i got the cap card i had a thin file and no score. When can i expect to achieve a score? What should be my next move as far as another card? I only have 3 inquiries on my report. 2 of which will drop off in september. I have plenty of patience and definately am not someone who will go on a app spree. I appreciate all input. Been a longtime lurker who has gained a lot of knowledge from this site.

Message 1 of 5
4 REPLIES
Frequent Contributor

Re: Help a noob out please...........

Welcome to the forum!  I'm not sure why you would not have a FICO score from at least one of the agencies but probably from all three (with the usual caveat on Experian) because you do have transactions on your credit file(s).

Message 2 of 5
Valued Contributor

Re: Help a noob out please...........

In order to generate a score you need to have atleast 6 months of positive reporting.


I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Message 3 of 5
Senior Contributor

Re: Help a noob out please...........


Schoolbuskid wrote:

In order to generate a score you need to have atleast 6 months of positive reporting.


So Are you saying if you have 6 months of mixed reporting you have no score at all?

Message 4 of 5
Established Contributor

Re: Help a noob out please...........

I'm surprised noone has yet to say, Don't pay a collection acount without pfd 'in. just search pay for delete or pfd to find out more

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Message 5 of 5