How long to have a FICO score?

Anonymous · ‎04-22-2015

I have started on building credit in november with 2 credit cards, capital one a discover. i had zero credit history before then. it has now been 5 billing cicles for both cards sinc i opened the accounts. I recently got a DCU credit card as well as of last week.

With DCU membership I get free FICO score but every month it says i have no FICO score and it never reports. I mean, how many billing cicles does FICO needs to generate a score?

Thanks,

Dan.

Anonymous · ‎04-22-2015

i assume you should be able to get FICO at May 1st.

MarineVietVet · ‎04-22-2015

@Anonymous wrote:
I have started on building credit in november with 2 credit cards, capital one a discover. i had zero credit history before then. it has now been 5 billing cicles for both cards sinc i opened the accounts. I recently got a DCU credit card as well as of last week.

With DCU membership I get free FICO score but every month it says i have no FICO score and it never reports. I mean, how many billing cicles does FICO needs to generate a score?

Thanks,
Dan.

Minimum Requirements for a FICO Score

At least one account that has been open for six months or more.
At least one undisputed account that has been reported to the credit bureau with in the past six months.
No indication of deceased on the credit report (Please note: if you share an account with another person this may affect you if the other account holder is reported deceased).