First credit score at 6 months is 750

[Edit: Update March 2024 (2y8m old file) : TU8 still at 790 for this month's Bank of America update on the 19th. [Edit: Update January 2024 : EX8 jumped +5 due entirely to crossing the AAoA 2y6m threshold! Yet another data point confirming this threshold. TU8 still at 790 for this month's Bank of America update on the 19th. [Edit: Update December 2023 : TransUnion FICO 8 score is now 790 at 2 years and 5 months in on a brand new credit file with a single revolving, bankcard account. Reporting utilization is exactly 4% of a $1,500 credit limit: $60.00. [Edit: Update April 2023 : TransUnion FICO 8 score is now 788 at 1 year and 9 months in on a brand new credit file with a single revolving, bankcard account. [Edit: Update December 2022 : TransUnion FICO 8 score is now 778 at 1 year and 5 months in on a brand new credit file with a single revolving, bankcard account. Link to Post --------------------------------------------- Bank of America updated my friend's TransUnion FICO 8 score on January 20th. Technically, she reached the 6 month threshold on January 1, having opened her BoA card on July 31, 2021. ( For general public information: FICO counts from the 1st of the month in which you applied and were approved for an account.) So here it is: 1 single credit card account on a clean credit file that is only 6 months old. (EDIT: Reported utilization is 4% of a $1,500 credit limit. ($64/1500 = 4.3%, which is 4% since FICO uses standard midpoint rounding.) Also keep in mind that this score includes a single inquiry from BoA when she applied for this card. A single inquiry in the first year of having a credit file can easily cost 10-20 points! I saw this on my own file when I got my first 2 credit cards: -20 points on EX8 for the first inquiry! TransUnion (TU) FICO 8 score is 750 !! Note that TU has her only inquiry so far, and later we found out that a single inquiry cost -21 points. [ Link to report here , showing the jump from 750 to 771 after the single inquiry aged to 1 year. ] This is a typical loss for new credit files! It doesn't happen to much older files, where the loss can be only 1-3 points. This first credit score could have been 771 on the TransUnion version of the FICO 8 score model. (Each CRA has some customization done on the base model for product differentiation.) tu8-1_card_at_-6mo-jan22-full.png This answers some commonly searched for questions: When will I have a credit score? After 6 months. What will my credit score be after I get my first credit card? It can be 750, as shown here. How soon will I have a good credit score? In 6 months, as shown here. How long does it take to get a good credit score? 6 months, as shown here. You can start with a credit score of 750 after 6 months. What credit score do you start with? Answer: Around 750 or more.