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FICO Start Date

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Frequent Contributor

FICO Start Date

Hello all,

I'm relatively young in the credit world. I'm sitting at 5 months. 

I opened a loan around the end of july (~28), however its reporting to equifax as opened 7/1/14. The same exact thing is happening on my experian report with a Wells Fargo card. showing start date of 7/1/14. My question is, will this factor into when i can get my first fico score? as in, on Jan 1, 2015, will i be able to get a score on those two bureaus, or will i have to wait until feb 1?

 

 

Message 1 of 4
3 REPLIES 3
New Contributor

Re: FICO Start Date

I was told by a FICO rep to give it 7 months to be on the safe side. That would mean an extra month (at least thats what it sounds to me) What I did was get a Discover Secured (Which will update once FICO updates) and a walmart card (which would most likely do the same) That way I can sign up for MyFico scores right after.

Starting Score:
Equifax: Unrated, Experian: Unrated, Transunion: Unrated
Current Score:
Equifax: 613?, Experian FICO: 717, Transunion: 707
Goal Score: +650 by MID 2015
This too shall Pass
Message 2 of 4
Super Contributor

Re: FICO Start Date

I'm wondering where you got the Ritz Carlton card so soon. Smiley Happy Is your signature the cards you have now?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 3 of 4
Frequent Contributor

Re: FICO Start Date

NRB, I had a friend in the EO of Chase, and a ton of luck
Message 4 of 4
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