How long does it take to get a credit score

[samarth]

I moved to US in March 2012. I have been trying get my credit score since then and upon a lot of research I found that this website (myFico.com) is the best source for that. So I registered and was told that I have to wait 13 months to get my first score. 13 months later when I tried again, I was told that it would take actually take 24 months of having a SSN for anybody to get a score.

Does anybody know whether this is true? Or did somebody face similar situattion? An info on this initial time period will be apprciated. Thanks.

[guiness56]

You have to have at least on account reporting to the credit bureaus for 6 months to generate a FICO score.

[pakman92]

You need a tradeline  (credit card, loan, mortgage, etc.) to be open for 6 months.  No credit score unless you have some credit established.  having a SSN will not give you a score.

[llecs]

Do you have any credit accounts reporting to your credit reports? If so, how old is the oldest?

ETA...dang I'm slow.

[myjourney]

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@samarth wrote:

I moved to US in March 2012. I have been trying get my credit score since then and upon a lot of research I found that this website (myFico.com) is the best source for that. So I registered and was told that I have to wait 13 months to get my first score. 13 months later when I tried again, I was told that it would take actually take 24 months of having a SSN for anybody to get a score.

Does anybody know whether this is true? Or did somebody face similar situattion? An info on this initial time period will be apprciated. Thanks.

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In order to build scores the CB must have someone reporting your payments car, home, loans, credit cards, secured cards etc 

until its reported to them on a regular basis they can't determine a score/risk of your credit worthiness

[samarth]

Thanks for the quick replies.

Sorry, I forgot to mention that I have an auto loan and a credit card from May 2012 (for ~11 Months now). Should that not be enough.

[myjourney]

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@samarth wrote:

Thanks for the quick replies.

Sorry, I forgot to mention that I have an auto loan and a credit card from May 2012 (for ~11 Months now). Should that not be enough.

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Have you pulled your reports to see who's reporting yet

[samarth]

Yes, I pulled a report couple of months back from TransUnion and both my credit card and auto loan are listed on it. I got the report through www.annualcreditreport.com and did not purchase the score so the score section says that. I also checked it on FreeCreditScore.com, which I think is run by Experain, and it showed a score of 711. But I think that is still not the actual FICO score, right?

[myjourney]

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@samarth wrote:

Yes, I pulled a report couple of months back from TransUnion and both my credit card and auto loan are listed on it. I got the report through www.annualcreditreport.com and did not purchase the score so the score section says that. I also checked it on FreeCreditScore.com, which I think is run by Experain, and it showed a score of 711. But I think that is still not the actual FICO score, right?

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Experian score is a FAKO 

you can get the other 2 scores here (real fico) scores

At this point i would think you have generated score now IMO when you registered here was that when you were told you had no scores?

[samarth]

How can I access it. The customer support of this website has told me(multiples times) that I can only get it after 24 months. Is there any other source? Thanks for the replies.