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@Anonymous wrote:
Im new to the credit world and i cant wait to see my FICO score.
Heres my credit card profiles:
Cap One: $300.00 CL / $91.58 balance / 4 months old
Belk Rewards store card: $650.00 / $0.00 balance / Just opened last January
Amazon.com store card: $400 / $54.95 balance / Got approved today and bought something right away
So my question is will i get a credit score after 6 months or it have to wait for my new credit cards to pass the 6 month mark?
Some advices and tips will be appreciated and btw, i pulled my CR and i already have 10 inquiries
As soon as 1 of your accounts has a 6 month history FICO has enough to go on for a score. Your score will get better over time / good payment history / improving AAoA (average account age)
Only apply for credit if you need it. Golden rule.
@Anonymous wrote:
I signed up for creditkarma.com and my credit score showed up. 669! Is this real or just an estimator? And on my credit report, my amazon card that i recently got approved of didnt show up on the report?
I'll use CK from time to time. The scores they offer are not FICO scores. Their FAKOs are a TransRisk score and VantageScore. Per Amazon, sometimes TU lags behind the rest of the CRAs when updating. If it's beyond a month after updating to the others, then I'd grow concerned, but a few days lag time after the statement cuts is normal.
One thing I noticed was in my situation, as well as a few of my friends. Credit Karma scores have always shown LOWER than what my friends and I actual FICO TransUnion score is. So this may be good for some, but bad for others. At least if gives you a good idea of roughly where you stand. Plus the benefits of the report card, with details,balances and grading is a nice little thing to watch over time.
<---works at Belk
Did you open that card up through me?
Joking aside, I hate having to ask customers to open one, given my adversion to CCs', but they are a neccesary evil. I was once able to get a lady who followed Dave Ramsey, to open a belk rewards card. haha.
I've had the card for nearly 3 years and have yet to pay a single penny in interest to Tim Belk (CEO), so I'm not sure if that is good/bad with regards to FICO.
I'm jealous you have an amazon card as I'm a true amazon junkey and have the free prime membership - so free shipping and no tax!!! (No tax will go away as soon as they open their two call centers/depo centers in Tennessee)
As for your 690 FAKO; someone will chime in shortly to give you the run down on the score you see vs that of a true FICO which can be purchased through this site here. I bought two of them and they were FARRRR lower than my FAKO score, but again, yours may be accurate as the poster above pointed out.
It's really a individual case.