@Anonymous wrote:I'm 26. I have a joint DISCOVER card with my Dad with a $7,000 limit and an average $300 monthly balance that is paid off every month in full. The card has a credit history going back to 2003. I was added as a joint account holder in 2014. All payments have been made on time with zero late payments. I was made the primary account holder in June 2016. Although this DISCOVER card shows on my credit report I have no FICO score. What else is needed to get a FICO score? I called Experian and they said that one credit account is not enough, but wouldn't tell how many are needed. Help!
You need an account in your own name. Authorized user (AU) accounts don't count toward establishing a credit file per FICO (See below paste from FICO).
All you need is one account - either a credit card, charge card or some type of loan. Once you have an active open account in your own name, it will take 6 months to establish a credit score.
