28d • General discussion
When do I get FICO score?
New to Credit? Here's What You Need to Know!
One of the biggest mistakes people make is expecting a credit score right away.
It takes about 6 months of credit history before a FICO Score is typically generated.
During those first 6 months, your goal is simple:
- Open 2–4 quality credit accounts, such as credit cards and/or a small loan.
- Let those accounts report every month.
- Make 100% of your payments on time.
- Keep your credit card utilization under 10%
- Avoid applying for a lot of new credit while you're building your foundation.
Building great credit is a marathon, not a sprint. Be patient, stay consistent, and let time work in your favor.
Six months of smart habits can set you up with a strong credit profile for years to come.
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When do I get FICO score?
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