First time building Credit score!

[Anonymous]

Ok, thank you. So I was right when I was signing up for TU and Equifax. I thought maybe something was wrong with my SSN. I feel better now knowing it was because i dont have a credit score thats why i was not able to register

[Anonymous]

So for some reason, I couldnt register for CreditCheckTotal.com. I got the below error. Any idea?

We are currently unable to process your request. If you need further assistance, please email us at support@experiandirect.com or call us at 1-866-506-7894.

Thank you - we appreciate your business!

[GFer]

Hmmm...I don't use them. Maybe they do require a score.  Couldn't hurt to call them?!  Maybe someone who used them will chime in!

[Anonymous]

I think they do require a score. I couldnt sign up for any of the three bureaus. 

[Anonymous]

So the key here (if I understand your first post right) is that you have at most one account and this was only just approved.  In order to have a FICO score, you need to have an account that is at least six months old.  Credit Check Total gives FICO scores.  Thus the error message.

Wait for 7 months.  In the meantime, follow the advice you have gotten from the other folks regarding this card.  Each month use it for something small that you actually want or need.  Allow the purchase to appear on the statement.  After the statement prints, pay the statement balance in full.

Do that every month.  Around month 3, consider implementing something called the Share Secure Loan Technique.  The lender we have been recommending (Alliant) is no longer an option, but we'll likely have a vetted list of alternatives by early March, and we can suggest some to you then.

At month 7 get your scores at CCT.  They should be quite good.  Once you know what your scores are, you will be able to get a couple more cards.  Chase will not be an option at that point, because you need a full year of history with them first.

[Gratitude]

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@Anonymous wrote:

So the key here (if I understand your first post right) is that you have at most one account and this was only just approved.  In order to have a FICO score, you need to have an account that is at least six months old.  Credit Check Total gives FICO scores.  Thus the error message.

Wait for 7 months.  In the meantime, follow the advice you have gotten from the other folks regarding this card.  Each month use it for something small that you actually want or need.  Allow the purchase to appear on the statement.  After the statement prints, pay the statement balance in full.

Do that every month.  Around month 3, consider implementing something called the Share Secure Loan Technique.  The lender we have been recommending (Alliant) is no longer an option, but we'll likely have a vetted list of alternatives by early March, and we can suggest some to you then.

At month 7 get your scores at CCT.  They should be quite good.  Once you know what your scores are, you will be able to get a couple more cards.  Chase will not be an option at that point, because you need a full year of history with them first.

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ZeeA, 
@Anonymous @Anonymous just offered is gold.. and others have responded with.. awesome. 
I'm happy to see you here at your age and chiming in for general support. Continue to search and research within this forum, your mind will be blown and your future will be in total great shape.

I only wish I came across something like this when I was 20yrs old.... Life-changer!

[Anonymous]

Thank you so much. I will take your advice into account. 

[Anonymous]

I agree. This is such an helpful and great community to be part of!