When will I have an official fico score?

[Anonymous]

I opened both of my credit cards mid November of 2017 so they are considered open as of November 1st. Will I be able to obtain my fico score at the beginning at April since both will have been open 6 months and both have been reporting each month? Also if I purchase a credit report for my score and one is not generated will I just be out of my money?

[Anonymous]

I got my first card in mid March. My first FICO was 6mo later, in September. I think yours will be May, not April.

You can get a free EX FICO from Discover at www.CreditScoreCard.com

[Remedios]

You will have a score on 05/01.
Card opened in November, regardless of date, is considered one month old on December 1st.

[Anonymous]

Oh okay, that makes sense. So if May is considered the 6th month I should be able check at the very beginning of the month? I seem impatient but I need the score for a car loan so I'm a bit in a rush.

[Remedios]

May 1st is when your score will be generated

[HeavenOhio]

Definitely don't pay for anything that costs a lot until you're sure that you have a score. As mentioned, Discover is free. You can that out soon after April 1. Or you can grab a $1 trial at CreditCheck Total and cancel during the trial period.

Has your lender said that a score is necessary? You'd have reports right now; they simply wouldn't generate FICO scores. Maybe it's possible that what's on your report right now would be sufficient for a loan despite the fact that there isn't a score yet.