First credit score

[Erusidhion]

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@newhis wrote:

From no history to first TU FICO score, I got 731 with only 2 cards for 6 months. DW got 720 with 2 cards for 6 months and 2 more for less than 2 months.

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    This is pretty much the score I had when I had 2 cards and then hit the 6 month mark. I was around 700-730 on all 3 bureaus. And that was with squeaky clean reports so hopefully that's your case as well OP. If you go another 1.5 years I believe you'd be around 760-790 depending on inquiries/AAoA/new accounts/utilization. You can get a high FICO score really quickly with clean reports and no prior credit history.

[Anonymous]

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@Erusidhion wrote:

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@newhis wrote:

From no history to first TU FICO score, I got 731 with only 2 cards for 6 months. DW got 720 with 2 cards for 6 months and 2 more for less than 2 months.

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    This is pretty much the score I had when I had 2 cards and then hit the 6 month mark. I was around 700-730 on all 3 bureaus. And that was with squeaky clean reports so hopefully that's your case as well OP. If you go another 1.5 years I believe you'd be around 760-790 depending on inquiries/AAoA/new accounts/utilization. You can get a high FICO score really quickly with clean reports and no prior credit history.

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Yes, thats my intention, stay clean.  Thanks to both of you for the advice,  all I know about CC, I learned at myFICO from all of you.