Do international students have an initial FICO score? How much is that?

[Anonymous]

What is the usual initial FICO score if one international student arrives at the USA for the first time? how is it deterrmined? thank you.

[llecs]

FICO doesn't care or consider if you are new to the country. I bet there are millions that live in the USA and don't even have a FICO score. FICO scores based on what is on your credit report. There are minimum scoring requirements in order for a score to be generated. One of those requirements is that you have to have an active, open account reporting for 6 months. There's no way to predict what that score would be once it hits 6 months old. Assuming nothing else reports except that one, I'd guess a starting score in the mid-600s.

[Anonymous]

Will he or she see a score, no matter how low it may be, before the credit histroy hits 6 months? Thanks.

[trumpet-205]

No.

You will only get a score once you have a undisputed TL (credit card, loans, mortgage, etc) that has been reported for six months.

[Anonymous]

Thanks, Trumpet. Does histroy of being authorized user count?

[llecs]

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@Anonymous wrote:

Thanks, Trumpet. Does histroy of being authorized user count?

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For FICO scores, yes. And of course the history carries over once it reports, so you can have an instant score.