So I finally got a credit score... (FAKO)

[charleeislegend]

So my credit score finally came in, I have 764 on credit karma, with 4 months of history on my AMEX, and 2 months on my Chase Sapphire. I know i should garden more, but with my credit score i have such a hard itch to app. Should i pull the trigger even though my history is so young?! I want to app for citi forward, and discover IT, and maybe freedom.

[LS2982]

---

@charleeislegend wrote:

So my credit score finally came in, I have 764 on credit karma, with 4 months of history on my AMEX, and 2 months on my Chase Sapphire. I know i should garden more, but with my credit score i have such a hard itch to app. Should i pull the trigger even though my history is so young?! I want to app for citi forward, and discover IT, and maybe freedom.

---

No, I would wait until your accounts are 6 months old and you can pull a true FICO score. After that, I would pick up just 1 card and garden for a year.

[charleeislegend]

its just ive been reading on other credit forums people getting these cards after only two months of history, its making me so jealous! I just want a card for myself instead of sharing as an AU and Joint with the girlfriend.

[maiden_girl]

---

@LS2982 wrote:

---

@charleeislegend wrote:

So my credit score finally came in, I have 764 on credit karma, with 4 months of history on my AMEX, and 2 months on my Chase Sapphire. I know i should garden more, but with my credit score i have such a hard itch to app. Should i pull the trigger even though my history is so young?! I want to app for citi forward, and discover IT, and maybe freedom.

---

No, I would wait until your accounts are 6 months old and you can pull a true FICO score. After that, I would pick up just 1 card and garden for a year.

---

Based on the signature...the OP is an AU on some accounts. Credit karma may not be a true FICO score but the real FICO is somewhere in that vicinity...much lower than credit karma really says. But I do agree with LS2982. I'd wait until your personal accounts are at least a year before opening any new credit.

[jamie123]

I would wait until I had 6 months of history on the first card at least, but that is just me. Usually approvals are based on 2 criteria, scores AND history. Your scores qualify you for almost any card you want. Your history on the other hand....Well, you know...

[LS2982]

---

@jamie123 wrote:

I would wait until I had 6 months of history on the first card at least, but that is just me. Usually approvals are based on 2 criteria, scores AND history. Your scores qualify you for almost any card you want. Your history on the other hand....Well, you know...

---

OP's FICO at 6 months is likely to be at high 600's / low 700's so not quite any card they want, but some nice prime ones will be available.

[maiden_girl]

---

@LS2982 wrote:

---

@jamie123 wrote:

I would wait until I had 6 months of history on the first card at least, but that is just me. Usually approvals are based on 2 criteria, scores AND history. Your scores qualify you for almost any card you want. Your history on the other hand....Well, you know...

---

OP's FICO at 6 months is likely to be at high 600's / low 700's so not quite any card they want, but some nice prime ones will be available.

---

Score wise, OP would qualify for a number of cards...BUT...will be denied due to limited history. I don't believe they count AU history during credit applications do they?

[charleeislegend]

I believe they can only know that my AMEX is an AU account if they do a manual review, lets just hope when i apply i get instant approvals!

[LS2982]

---

@maiden_girl wrote:

---

@LS2982 wrote:

---

@jamie123 wrote:

I would wait until I had 6 months of history on the first card at least, but that is just me. Usually approvals are based on 2 criteria, scores AND history. Your scores qualify you for almost any card you want. Your history on the other hand....Well, you know...

---

OP's FICO at 6 months is likely to be at high 600's / low 700's so not quite any card they want, but some nice prime ones will be available.

---

Score wise, OP would qualify for a number of cards...BUT...will be denied due to limited history. I don't believe they count AU history during credit applications do they?

---

Not really, they are more interested in what the applicant has done on their own.

[charleeislegend]

---

@LS2982 wrote:

---

@maiden_girl wrote:

---

@LS2982 wrote:

---

@jamie123 wrote:

I would wait until I had 6 months of history on the first card at least, but that is just me. Usually approvals are based on 2 criteria, scores AND history. Your scores qualify you for almost any card you want. Your history on the other hand....Well, you know...

---

OP's FICO at 6 months is likely to be at high 600's / low 700's so not quite any card they want, but some nice prime ones will be available.

---

Score wise, OP would qualify for a number of cards...BUT...will be denied due to limited history. I don't believe they count AU history during credit applications do they?

---

Not really, they are more interested in what the applicant has done on their own.

---

question on this, does this mean they will also not count my joint account as highly as a single account would?