How long does will it take for my FICO score to show up?

[Anonymous]

Hi everyone,

I am 24, make good money (75k+) and have saved up over 100k since college.  I am ready to buy a home, but I could not get prequalified for a mortgage because I had a credit score of "N/A."  I have been an authorized user on several credit cards for years, but I guess they never got reported to the CBs.  Once I found this out, I immediatley got a credit card with me as the primary from a local credit union (parent had to cosign).  This card has shown up on my credit report.  I was wondering how long it would take for a credit score to finally show up.  I know everyone says 6 months, but is it based on billings, the actual opening date of the card, 1st of the month, etc. I have read all of these as possible answers.

So if I got my credit card on 11/20/13,  what exact date do you think my credit score will finally show up?

[yudeology101]

You can check your FICO scores now, just buy all three from this site. 

[Anonymous]

I do not have a FICO score.  I would like to know when I can expect one.  When will my 6 months trigger it to show up.  6 billings? 6 months from opening the card? 6 months from November 1st if card was opened on November 20?

[yudeology101]

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@Anonymous wrote:

I do not have a FICO score.  I would like to know when I can expect one.  When will my 6 months trigger it to show up.  6 billings? 6 months from opening the card? 6 months from November 1st if card was opened on November 20?

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YOU DO HAVE FICO SCORES AND YOU CAN PURCHASE THEM HERE IN THE FORUM

[CreditRookie22]

It's actually 6 months of your cc reporting to the cra's. You will have a score by then if u had no prior credit history. Do you have any other tl's?

[Anonymous]

Thank you creditrookie22.  That is the answer I was looking for.  I do not have any prior credit history.  I was only an authorized user on accounts previously, which did not show up on my credit report.

[Anonymous]

No I don't. This was checked yesterday.  As I said, my scores show up as "N/A" due to not having 6 months of history.  

[CreditRookie22]

Ok, well, your concern now is being able to qualify for a mortgage due to not having active tl's. Check out the mortgage forums, they're very helpful. Are you going conventional or fha?

[yudeology101]

I had to read your thread twice, my apologies i thought you said you were AU for years and finally got one for yourself last year. 

[yudeology101]

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@Anonymous wrote:

Hi everyone,

I am 24, make good money (75k+) and have saved up over 100k since college.  I am ready to buy a home, but I could not get prequalified for a mortgage because I had a credit score of "N/A."  I have been an authorized user on several credit cards for years, but I guess they never got reported to the CBs.  Once I found this out, I immediatley got a credit card with me as the primary from a local credit union (parent had to cosign).  This card has shown up on my credit report.  I was wondering how long it would take for a credit score to finally show up.  I know everyone says 6 months, but is it based on billings, the actual opening date of the card, 1st of the month, etc. I have read all of these as possible answers.

So if I got my credit card on 11/20/13,  what exact date do you think my credit score will finally show up?

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Are you still AU for those cards?  I would call the lenders and see if they can report to the CRAs and if so then ask them if they backdate also.