FICO score without any credit history?

[vanillabean]

"I've been reading here that a FICO score is generated after 6 months of credit history."

I too have read that here from time to time. Yet

"ECOA [Equal Credit Opportunity Act] Reg B provides every American with the Federally protected right to build a credit history and credit score simply by paying everyday accounts on time, such as cell phone bills, rent and utilities."

The Best Kept Secret in Lending, Bar None

[pizzadude]

What you have read about the 6 month period to generate a FICO score is correct, and it does not go against the ECOA at all.

[vanillabean]

What I don't recall reading here though is that you can build credit history without a credit card.

[llecs]

You can build credit history without a CC...and even without a FICO. Some lenders will look at alternative scoring methods when a FICO cannot be created. And there are some non-FICOs that take these alternative sources into consideration. So, his statement could be correct though it doesn't apply to FICO scoring.

[Shogun]

There are always other alternatives.   Just may be a little harder to accomplish.