How long should I Wait?

[Anonymous]

Hey everybody, 1st post! I just got my first Credit Cards about a month ago and I was wondering how long I should wait before checking my scores on myFico. I have a subscription to TrueCredit so I can check when my Credit Cards report. Should I wait for each card to report and the check my Fico score or should I wait a few months. So far the only card to report is my Crown Jewelers Card. Thanks in advance.

Crown Jewelers $2500
Capital One $500
Orchard Bank $300

[thrasher865]

I believe you need 6 months of activity to be able to generate a fico score.  So if you don't have any prior history with installment loans or anything, 6 months.

[Anonymous]

Are you waiting so that you have a score?

Or to see the score change with the new cards added? 

If you are just waiting to see the change, then as soon as they report you can pull your reports.

[Anonymous]

No. I don't have any prior credit history.

[Anonymous]

I guess I should have waited before I bought Suze Orman's FICO Kit Platinum. Does anyone have any predictions on what my score will be in six months? If I have perfect payment history.

[Anonymous]

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Justn wrote:
I guess I should have waited before I bought Suze Orman's FICO Kit Platinum. Does anyone have any predictions on what my score will be in six months? If I have perfect payment history.

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600'ish

[Anonymous]

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@Anonymous wrote:
I guess I should have waited before I bought Suze Orman's FICO Kit Platinum. Does anyone have any predictions on what my score will be in six months? If I have perfect payment history.

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Unless you've already used them, those three credit reports/scores that come with the "Suze Orman's FICO Kit Platinum" is good for 1 year. So you can wait until six months have passed and then get your reports.

[Anonymous]

No. I haven't used it yet. btw Those scores TC gives me are just cruel. TU.700 Exp.684

[Anonymous]

It generally takes about 6 months to generate scores from your first TLs reporting.

From what I read, I believe that newly generated FICO scores are usually between 650-680, however, YMMV.

[Anonymous]

Thanks, You all have been vary helpful! One last question. Are there any other Credit Cards that might approve me with limited history? Like after 3 months of history.