When will I have a report

[Anonymous]

So, today I finally decided to sign up for premium MyFico, and they told me I had no credit report. So I thought "They're crazy" and I went to creditchecktotal and was told the same thing. So I just turned 18. I got my first card in April, made 2 payments, and now have 2 more cards with one payment on them. When exactly will I have a credit report that can be tracked?

[Anonymous]

It takes 6 month of reported history.

[gdale6]

Well you actually have a credit report as soon as you apply for your first credit account. It takes 6 months of reported history to generate a Fico score and all your CRs need to generate one before ScoreWatch will accept you.

[Anonymous]

at 18 your ahead of the game. Just be careful and your scores will be great in no time.