What happens if you don't have a TU score and apply?

[BM3]

Lets say I want Barclays, have ex and eq, but TU is 4 months old and I guess that means still too young to show on fico8 score. What happens when I apply and they try to check TU?  And how long does it take to actually get a score?

[Anonymous]

Takes 6 months for your score to show. Might as well wait it out at this point.

[AverageJoesCredit]

Don't apply for a Barclays with less than 6 months credit history. Just waste a hp. Try and establish your credit first.

[Anonymous]

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@AverageJoesCredit wrote:
Don't apply for a Barclays with less than 6 months credit history. Just waste a hp. Try and establish your credit first.

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+1

[Anonymous]

When I applied for the PayPal Extras MC I had no TU Fico score so Synchrony used an internal scoring system and I was approved for $300. Most banks will just deny applications for having no credit history/score though.

[BM3]

Thank you for the replies! Good to know

[Anonymous]

Do you currently have any credit cards or installment loans?

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@BM3 wrote:

Lets say I want Barclays, have ex and eq, but TU is 4 months old and I guess that means still too young to show on fico8 score. What happens when I apply and they try to check TU?  And how long does it take to actually get a score?

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[BM3]

Yes I have QS and Disco IT.  What happened is closed accounts got dropped from TU report, before these new ones could appear, so it reset. EX and EQ show old accounts that havent dropped yet.