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Howdy!
In order for a FICO® score to be calculated, a credit report must contain these minimum requirements:
The above was taken from here.
When I first started in September, my one month old student loan was enough to generate TU and EQ scores. Experian took me until late October, after 3 of my credit cards started to report.
All in all, I guess I was somehow exempt from the 6 month requirement. YEMV.
Straight from MyFico, yes.
@Trying_Hard_Every_Day wrote:Howdy!
In order for a FICO® score to be calculated, a credit report must contain these minimum requirements:
- At least one account that has been open for six months or more
- At least one undisputed account that has been reported to the credit bureau with in the past six months
- No indication of deceased on the credit report (Please note: if you share an account with another person this may affect you if the other account holder is reported deceased).
The above was taken from here.
So a minor can have a FICO score?
@BallBounces wrote:
@Trying_Hard_Every_Day wrote:Howdy!
In order for a FICO® score to be calculated, a credit report must contain these minimum requirements:
- At least one account that has been open for six months or more
- At least one undisputed account that has been reported to the credit bureau with in the past six months
- No indication of deceased on the credit report (Please note: if you share an account with another person this may affect you if the other account holder is reported deceased).
The above was taken from here.
So a minor can have a FICO score?
I would think so, yes. Some naughty people use their child's SSN and open accounts. They should have a score set after a few months, since they'll have established history.