myFico 3B produced scores but...

[PicoFico]

No place else does due to not having 6 months of activity.

Mid May I signed up for it and got a refund because it couldn't generate scores. A couple nights ago I played with Experian Boost and yesterday tried 3B again and downloaded the app. The purchase went through and scores populated.

But here's what's even more strange, if I try discover's fico scorecard it won't populate (I suspect from not having 6mo activity.

Do I put faith in the scores? Are they best guess effort?

I'm confused, but I've since cancelled the sub and unboosted until I know 6mo of activity has passed.

Thanks for stopping by,
PicoFico

[Anonymous]

Is you discover new? They First couple of weeks after I got mine it did that but won't it generates the first statement it has a score

[jamie123]

You really have more than 6 months of credit history already with the WF lates and the ATT collection. Its just that you don't really have any positive history and you have a really thin file now with your 2 new CCs.

Your scores will probably fluctuate wildly for about the next 6 months until they settle down. That's why it is important to focus on the long term and build a thick credit file over time. Once you have a thick file with some well aged CCs your scores will stay pretty stable even when you add new credit.

Make sure that you set up automatic payments to make the minimum payment on your credit cards. The last thing you need now is to forget to make a payment and get another late.

You might want to reconsider using WF as your bank. They have a terrible reputation and have been in the news for using shady and illegal practices on their customers.

[PicoFico]

It's not a matter of fluctuation, it's matter of populating numbers.

As in, this is all i get from anywhere except the fico app (tell me where else to try). Lastly, the WF account was opened in Sept and closed in January (5mo account right?) and the collection was 1 mo PIF.

[FireMedic1]

What was the EX score from the 3B pull? If it generated. It may have picked it up. But Disco might be lagging a few days so it couldnt pull it

[PicoFico]

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@FireMedic1 wrote:

What was the EX score from the 3B pull? If it generated. It may have picked it up. But Disco might be lagging a few days so it couldnt pull it

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[Anonymous]

Ok, let's put this to bed.

FICO's are generated w/ 6 months of activity reporting.

FICO's may not show up on lender's sites due to the lag in which they pull information.

Depending on the type of account AU/otherwise it may not report fully due to the lender or scoring method being used.

Once you see all 3 scores showing up here or even at Experian w/ 3B monitoring then the lenders w/in 1-2 cycles should start appearing.

[Remedios]

Discover scorecard pulls EX data every 30 days upon login. If you tried within last 30 days, it wont be available to you, regardless of when the scores when were generated. 

[PicoFico]

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@Remedios wrote:

Discover scorecard pulls EX data every 30 days upon login. If you tried within last 30 days, it wont be available to you, regardless of when the scores when were generated. 

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Thanks for your input guys. I'm not trying to beat a dead horse here, it's just a matter of me understanding the finer details I suppose.

I have 5 months of reporting in 2014 and now 1 month in June that has hit. Is that how scores are populating? I just took it to be 6 months of any 1 account reporting to CRA's and because of that assumption (yep i know) i was pointing at experian boost accounts getting tossed onto my EX file as the trigger to start generating. 

Thanks everyone for your patience. Really it's neither here nor there in regards to the big picture, but curiousity just gets the best of me sometimes