Finally have a score. Should I apply for a real card?

[09Lexie]

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@Creditaddict wrote:

you will get a score from fakos right away but you won't generate a Fico score until you have had an account for 6 months.

Do not apply for anything until you wait 6 months and sign up for the trial of Score Watch here at Myfico and see a real score generated.

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+1

[FinStar]

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@LearningMoreAboutCredit wrote:

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@crystal0920 wrote:

joined USAA credit monitoring service and it shows a fako score of 710 for experian and equifax, Transunion says 9002. I have no idea where that number comes from.

 The only thing showing on my reports is Kay Jewlers, $300 limit 0 balance Should I try for a real visa or master card or a good store card since I now have a score or just wait a while? I do also have although not reporting Cap1 $500  Cap 1 Secured $200 Badcocks $1,500. I also applied for before I had anything reporting and been denied walmart. Amazon, FireStone, Macy's, Citi and discover student cards all denied for no credit history

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Definitely let new accounts report, INQ's age, and wait about 6 months before you pull the trigger on another app

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+1

And, as others have mentioned.  This way any HPs are not wasted while your profile ages over time.