When to expect...

[Anonymous]

Our fico scores?
I understand it takes 6 months of credit activity to generate a score and we (hubby and I ) started our credit journey with a discover card at the beginning of March.
I know Sept. marks 6 months, but don't know when to expect scores. Will it be the first, or the date we got our card, or the end of the month?

[Anonymous]

Do you guys have Credit Karma? It's a fee app that shows you your Vantage Score from EQ and TU. It's not the same as FICO score, but generally moves in the same direction; it's free, it's updated weekly, and it starts showing from the moment you have any credit cards! 

As for you FICO score, you can see your FICO 8 score (the most widely used on) with Experian for free at creditscore.com - so if I were you, I'd create an account there right away, and then check it around your 6-month mark!  

My scores in both places mentioned above started showing shortly after I opened my account with them! 

(I had NO prior credit history - Credit Karma started showing within a week; creditscore.com started showing when I opened it in my 7th month of credit history.)

[Anonymous]

We both have credit karma but my understanding is that it's not always a match to fico. Some people report it being as much as 100 points off from fico and some claim it's fairly close. Some say it's higher and some say lower etc...

Either way, we have already signed up for various monitoring tools, I was just wondering when to expect a score so I don't spend the whole month of Sept logging in and refreshing sites. lol 😂

[Anonymous]

Sept 2

[Anonymous]

Thanks CreditGuyInDixie!
I'm guessing that it being a weekend and a holiday weekend at that won't matter?

[Anonymous]

It shouldn't but feel free to wait until the 3rd.  What tool will you be using to pull your scores?

[Anonymous]

We will be using Experian, credit scorecard, and the free score we get with our discover card.

Once we are sure we are registering a score we plan to buy the 3b report from myfico. ☺