Creating a FICO from Scratch (Fastest Way)?

[CreditFun]

What is the fastest way to created a FICO 620+

For example, which AU cards back date?

Will a secured card report quicker if AU is reporting?

What would happen in this scenario?

• add 3 AU 2+ years seasoning w/ utilization <10%
• add 2 new secured cards

[rosco75]

 It would be near impossible to answer this without knowing more about your profile. We need more information in order to even try to determine the best way to get a score increase to those numbers. 

Current scores?

How many accounts / what type?

Balances?

Delinquencies?

ETC, ETC 

[CreditFun]

There is no score.

Just 2-3 inquiries.

[CreditFun]

There is no score.

just 2-3 inquiries.

[NC_Mtg_Loaner]

Why not just go ahead and get 2 cards in your name ASAP?

I have no idea how an AU can build or boost your score, but (including an AU) it does create a dependency upon another individual which I've never been a fan of, but that's just me.

[CreditFun]

From my research, adding two cards could take 6 months to create a FICO score.

Looking for the magic pill scenario.

I know it's been done before where people were able to get DU approval in 30-45 days without getting downgraded to a manual review.

Just looking for modern approach on things.

[RSX]

get 1 secured card from whoever you bank with - fund it and use it regularly

get your name as an AU on 1 of the cards you mentioned

then wait and keep checking CK to see when your score first pops up

at the start it is best to learn that this is a Slow and Steady game

[RobynJ]

In 6 months I went from not having a score to a 783 Fico 8/818 Fico 9. Check out my prior post.

https://ficoforums.myfico.com/t5/SmorgasBoard/My-build-from-a-blank-file-to-783-818-in-6-months/m-p/...

[ShanetheMortgageMan]

In the last couple years I've noticed that CitiCards, AMEX, CBNA (Community Bank), JPMCB (JP Morgan Chase), THD/CBNA (Home Depot, Community Bank), FNB Omaha, SYNCB (Synchrony Bank), Capital One, Barclays Bank, and TD Bank USA/Target all back date authorized user history.

[Kforce]

@RobynJ 's post has a path that was chosen with time as high priority.

You could just follow her example.

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Others might pick another path with slower score gain and a card set that

would not need revamping, less work, and no loans.

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