starting credit score reddit

Your starting credit score will fall below the median number of 723 even if you pay all of your obligations on time and according to terms during the six-month evaluation period. However the starting credit score isnt zero.

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Thats mostly because of their limited.

. Its d none of the above. However this is unlikely to be your first credit score unless you are irresponsible with your. Its recommended to stay under about 30 of total credit utilization.

Once you begin to establish a credit history you might assume that your credit score will start at 300 the lowest possible FICO. The past 5 months Ive been obsessed with doing everything I can to ensure I start off well. Free Credit Score Reddit - If you are looking for an easy way to find out your score then in 1 minute we can give you a reliable answer.

The way to build credit is to start with a credit card statement of 65 and pay 30 every month at first dont pay. At the beginning of the year I tried to buy something online and ended up applying for an after pay type of thing which I was denied based on my credit. At What Age Does Your Credit Score Start.

So 30 of your 500 limit or 150. Once you have established. This is common when you have a very thin credit file that only contains revolving accounts.

Since credit scores range from 300 850 300 could be considered the starting score. In reality everyone starts with no. Credit score 530 start.

Remember to not get into credit card debt just pay gas groceries small things. Your credit score is decent for a newbie with no credit history. Please ask questions and contribute to the knowledge surrounding.

Do you begin at a the highest possible credit score b the lowest or c somewhere in between. Unfortunately a starting credit score wont be the perfect 850. A FICO score can only be generated on a credit file with more than one trade line reported within the last six months and over six months old and the consumer must not be dead.

Very good credit score. A credit score helps lenders evaluate your credit profile and influences the credit thats available to you including loan and credit card approvals interest rates credit limits and. A subreddit for discussing any aspect of credit scores.

FICO scores range from 300 to 850 and are divided into. Most people wont have credit reports or scores before turning 18. What Credit Score Do You Start With Reddit.

More likely its in the Good 670-739 or Fair credit score 580-669 range. Without an established history your credit report and credit score dont magically appear when you turn 18 despite many common misconceptions. If youre curious you can use.

Once you start adding some revolving utilization installment loans etc. In addition to understanding how a FICO credit score is calculated its a good idea to know the FICO credit score ranges. The answer may surprise you.

Youll start to see your score. Most peoples credit score doesnt start at the. Credit scores issued by the most popular credit-scoring models in the US.

If the reporting agency. I was just wondering what was your first six months of credit like and where did you start. You typically have to be at least that age to open a credit card in.

It is important to not misuse or overextend the credit you are given.

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My Credit Score Wasn T Great But It Was Definitely Better Than It Had Been In A Long Time Logging In And Seeing This Was A Huge Gut Punch I Have No Idea