First Fico Scores.

[eviLution]

I'll be getting my first Fico Score in half a month. I'm so anxious to see what I achieved in those long, long, long months of waiting!

What was first Fico Scores when you started from scratch with a thin file?

Capital One Secured $600 CL 5 month history - DCU Platinum Visa $1500 CL almost 1 month history

[Rhaeny]

Wow...that's a good question.  I honestly can't remember back that far.  It was eons ago but it would be nice to know.

Come to think about it, even if I did know, the scoring models have changed so much from almost 20 plus years ago that it wouldn't be an even comparison.

[bluesnowman]

When I first pulled my reports at the 6 month mark my score was as followed: EQ: 736 TU: 746. That was because I had no negatives, no inquires, nothing but one card with 6 months of history. Just be patient and your scores will thank you for it. 

[eviLution]

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@bluesnowman wrote:

When I first pulled my reports at the 6 month mark my score was as followed: EQ: 736 TU: 746. That was because I had no negatives, no inquires, nothing but one card with 6 months of history. Just be patient and your scores will thank you for it. 

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Shouldn't you have had at least 1 inquiry from the one card you applied for though? I have no negatives, but 6 inqs on TU and under 5 inqs for EQ/EX. Maybe  scores might be a little lower than yours because of the inquiries.

I'm gonna wait another 6 month to build history with my DCU Visa first, then ask for a CLI. I'll be at my 1 year mark by that time and I'll probably be approved for prime cards with high limits.

[creditnocash]

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@eviLution wrote:

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@bluesnowman wrote:

When I first pulled my reports at the 6 month mark my score was as followed: EQ: 736 TU: 746. That was because I had no negatives, no inquires, nothing but one card with 6 months of history. Just be patient and your scores will thank you for it. 

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Shouldn't you have had at least 1 inquiry from the one card you applied for though? I have no negatives, but 6 inqs on TU and under 5 inqs for EQ/EX. Maybe  scores might be a little lower than yours because of the inquiries.

I'm gonna wait another 6 month to build history with my DCU Visa first, then ask for a CLI. I'll be at my 1 year mark by that time and I'll probably be approved for prime cards with high limits.

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i started my credit journey a little over 2 years ago. (first card was 10/10) 

i didnt look at my scores but with a year and a half of credit no negs it was around 665. but i had 3 inqs on each report. 

after i paid down my util (at the time it was 80% to 8%) my score jumped to about 730 and then i let the inq pile on. and dropped my aaoa now sitting at 690's

now i went from 3 accounts too 10 so yeah. but i went from 3100 in credit to 20k so that also played a factor. 

as long as you always pay(no lates etc) and dont spend what you cant pay 

only apply for what you need not what you want 

you will be golden. 

[eviLution]

I've always PIF and I keep my utilization at 5-9%. First 3 months I kepted it at 20%, but then I read 1-9% is better to help with your Fico Scores.

[creditnocash]

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@eviLution wrote:

I've always PIF and I keep my utilization at 5-9%. First 3 months I kepted it at 20%, but then I read 1-9% is better to help with your Fico Scores.

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if your not applying for credit or cli utilization really doesnt matter. obviously you dont want to be at 80% for years but your score doesnt remember your balances from 6 months ago.  its really the 2 months before i app i pay it down to 1-9 percent 

besides who wants to pay all that interest. 

[webhopper]

My.first score ever pulled was a fakos. It was sub 400..... its been a long journey since then!