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First Time Builder Question

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Startome
Regular Contributor

First Time Builder Question

So before being on this forum, I had never touched credit, I was cash free up until the Aug.

Now I have no lates, derogs or anything, but since I only have four months of history, I have no score.

Does anyone have any idea what kind of score I could expect when I do get one?

 

Notes:

Utilization is Negative .5%, and is usually about that amount.

3 TLs listed below

 

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Message 1 of 3
2 REPLIES 2
coldnmn
Mega Contributor

Re: First Time Builder Question

For optimal score one card <9%, It's hard to really judge what your score will be because they consider your whole file. The important thing your moving in the right direction. In a year or so of on time payments and low utilization your credit will be awsome.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 3
guiness56
Epic Contributor

Re: First Time Builder Question


@Startome wrote:

So before being on this forum, I had never touched credit, I was cash free up until the Aug.

Now I have no lates, derogs or anything, but since I only have four months of history, I have no score.

Does anyone have any idea what kind of score I could expect when I do get one?

 

Notes:

Utilization is Negative .5%, and is usually about that amount.

3 TLs listed below

 


Even with a thin file and everything positive, I would guess mid to high 600s.

Message 3 of 3
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