[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.
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First credit score at 6 months is 750

1 of 155
3 years ago
Thu Jan 27, 2022 5:33 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level53 Last INQFriday, February 14, 2020 Gardening For4 years, 5 months, 13 days, 4 hours, and 3 minutes Next Level in17 days, 19 hours, and 57 minutes on August 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 5 months, 13 days, 4 hours, and 3 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 5 months, 13 days, 4 hours, and 3 minutes ago
[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.)
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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.
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: First FICO 8 credit score at 6 months with a single credit card account

2 of 155
3 years ago
Thu Jan 27, 2022 6:51 pm
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AllZero
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AllZero has been gardening for over 2 years.
Level28 Last INQSaturday, March 26, 2022 Gardening For2 years, 4 months, 1 day, 4 hours, and 3 minutes Next Level in29 days, 19 hours, and 57 minutes on August 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 4 months, 1 day, 4 hours, and 3 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached4 months, 1 day, 4 hours, and 3 minutes ago
Congratulations to your friend! That's a great score.
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Re: First FICO 8 credit score at 6 months with a single credit card account

3 of 155
3 years ago
Thu Jan 27, 2022 8:29 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level26 Last INQMonday, May 23, 2022 Gardening For2 years, 2 months, 4 days, 4 hours, and 3 minutes Next Level in26 days, 19 hours, and 57 minutes on August 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 2 months, 4 days, 4 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached2 months, 4 days, 4 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved2 months, 4 days, 4 hours, and 3 minutes ago
Very cool, @Cassie . Do you know what the reported balance/utilization is on that card, which of course would then also be equal to aggregate utilization? I know the common recommendation given to many newcomers to credit is to grab 3 cards and a loan to start out, but I think it's worth referencing this thread to show that it's not necessary for a very nice score. I fully get that when such a recommendation is given it's with the intent to try an begin to optimize early on... but it's definitely not a requirement for a mid 700's score right out of the gate as seen above.
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Re: First FICO 8 credit score at 6 months with a single credit card account

4 of 155
3 years ago
Fri Jan 28, 2022 4:25 am
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level53 Last INQFriday, February 14, 2020 Gardening For4 years, 5 months, 13 days, 4 hours, and 3 minutes Next Level in17 days, 19 hours, and 57 minutes on August 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 5 months, 13 days, 4 hours, and 3 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 5 months, 13 days, 4 hours, and 3 minutes ago
BrutalBodyShots wrote: ↑Thu Jan 27, 2022 8:29 pm Very cool, @Cassie . Do you know what the reported balance/utilization is on that card, which of course would then also be equal to aggregate utilization? I know the common recommendation given to many newcomers to credit is to grab 3 cards and a loan to start out, but I think it's worth referencing this thread to show that it's not necessary for a very nice score. I fully get that when such a recommendation is given it's with the intent to try an begin to optimize early on... but it's definitely not a requirement for a mid 700's score right out of the gate as seen above.
Utilization reported at that score was: 64/1500 = 0.0426 = 4.3% = 4% for FICO scoring. Based on what I found on my own file in the first 2 years, that's in the optimal 1-4% range. (5% aggregate utilization would consistently cause a loss of -3 points on my TU/EQ8 in the first 2 years of having revolving accounts.) Plus, you also had 1 card with an 800 score for a while, right?
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: First FICO 8 credit score at 6 months with a single credit card account

5 of 155
3 years ago
Fri Jan 28, 2022 4:39 am
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level53 Last INQFriday, February 14, 2020 Gardening For4 years, 5 months, 13 days, 4 hours, and 3 minutes Next Level in17 days, 19 hours, and 57 minutes on August 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 5 months, 13 days, 4 hours, and 3 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 5 months, 13 days, 4 hours, and 3 minutes ago
Her TU VS3 score is currently 705, but VS3 has the age of account at 5 months instead of FICO's 6 months. There is something else I completely forgot about: That 750 TU8 score has 1 inquiry included in it, and inquiries carry a very high penalty on new credit files! It can easily be -15 points and most certainly is not 'a small handful of points' as commonly reported in most articles on the internet. EQ VS3, without the single inquiry, is 720 compared to TU VS3 at 705 with the 1 inquiry. So -15pts for 1 inq on VS3. VS3 does not always backdate to the 1st of the month as FICO does. I saw this on my own file, as my VS3 age is always 1 month behind FICO's. So she will reach 6mo for VS3 in February - a month after FICO reached it this month in January.
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: First FICO 8 credit score at 6 months with a single credit card account

6 of 155
3 years ago
Fri Jan 28, 2022 7:27 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level26 Last INQMonday, May 23, 2022 Gardening For2 years, 2 months, 4 days, 4 hours, and 3 minutes Next Level in26 days, 19 hours, and 57 minutes on August 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 2 months, 4 days, 4 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached2 months, 4 days, 4 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved2 months, 4 days, 4 hours, and 3 minutes ago
Cassie wrote: ↑Fri Jan 28, 2022 4:25 am Plus, you also had 1 card with an 800 score for a while, right?
Yes, for years. I did have a few installment loan accounts though... usually just 1 open and a couple closed, generally speaking. I didn't monitor my scores back then, so the only time I'd ever see my score really was when apping for credit and finding out at that time what it was. Scores were typically in the 790-800 range with that 1 CC.
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Re: First FICO 8 credit score at 6 months with a single credit card account

7 of 155
3 years ago
Fri Jan 28, 2022 7:32 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level26 Last INQMonday, May 23, 2022 Gardening For2 years, 2 months, 4 days, 4 hours, and 3 minutes Next Level in26 days, 19 hours, and 57 minutes on August 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 2 months, 4 days, 4 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached2 months, 4 days, 4 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved2 months, 4 days, 4 hours, and 3 minutes ago
Cassie wrote: ↑Fri Jan 28, 2022 4:39 am There is something else I completely forgot about: That 750 TU8 score has 1 inquiry included in it, and inquiries carry a very high penalty on new credit files! It can easily be -15 points and most certainly is not 'a small handful of points' as commonly reported in most articles on the internet.
Even better! Have you tried to grab a non-TU 8 score like EX8 from creditscorecard yet? If there's no inquiry on that bureau it would be cool to see what that score is. Is there any plan to add another account prior to that account hitting 1 year of age, or will scorecard reassignment happen at that time? Around 6 months from now it would be interesting if scores are pulled at the right times to see A - the impact of scorecard reassignment and B - the quantification of that 1 inquiry becoming unscoreable.
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Re: First FICO 8 credit score at 6 months with a single credit card account

8 of 155
3 years ago
Fri Jan 28, 2022 8:04 am
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level53 Last INQFriday, February 14, 2020 Gardening For4 years, 5 months, 13 days, 4 hours, and 3 minutes Next Level in17 days, 19 hours, and 57 minutes on August 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 5 months, 13 days, 4 hours, and 3 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 5 months, 13 days, 4 hours, and 3 minutes ago
BrutalBodyShots wrote: ↑Fri Jan 28, 2022 7:27 am Yes, for years. I did have a few installment loan accounts though... usually just 1 open and a couple closed, generally speaking. I didn't monitor my scores back then, so the only time I'd ever see my score really was when apping for credit and finding out at that time what it was. Scores were typically in the 790-800 range with that 1 CC.
Now I'm really curious to see how close to 800, at 1 year AoOA, someone can get with a single revolving account on file. She doesn't want anything 'complicated' at this point, so we will probably see that result in July 2022. I'm going to try again to convince her to let me set up FICO monitoring for 1 month so we can get a complete 28-score snapshot at this 6 month threshold. Experian now gives away a free monthly EX8 score right on their main website, experian.com. She should get that too, because it comes with some basic credit file monitoring. A few months prior to getting my last 2 cards in February 2020, I had disabled auto-renew on my paid Experian CreditWorks monitoring, so it reverted to the basic free version. But that free version still alerted me instantly the night I applied with Amex and Discover, AND it even came with an updated EX8 score, showing the point loss! So I was able to see -3 for the 1st Amex inq, and -8 for the Discover inq that followed! That's pretty good for free basic monitoring! (FICO Premier alerts showed up 2 days later, but with -11 for the total loss on EX8.)
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: First FICO 8 credit score at 6 months with a single credit card account

9 of 155
3 years ago
Fri Jan 28, 2022 11:50 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level26 Last INQMonday, May 23, 2022 Gardening For2 years, 2 months, 4 days, 4 hours, and 3 minutes Next Level in26 days, 19 hours, and 57 minutes on August 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 2 months, 4 days, 4 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached2 months, 4 days, 4 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved2 months, 4 days, 4 hours, and 3 minutes ago
It's rare to see such a new file with data and scores surrounding it, so hopefully you'll be able to continue to report info between now and July, possibly longer!
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Re: First FICO 8 credit score at 6 months with a single credit card account

10 of 155
3 years ago
Fri Jan 28, 2022 12:26 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level28 Last INQWednesday, March 2, 2022 Gardening For2 years, 4 months, 25 days, 4 hours, and 3 minutes Next Level in5 days, 19 hours, and 57 minutes on August 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 4 months, 25 days, 4 hours, and 3 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached4 months, 25 days, 4 hours, and 3 minutes ago
Awesome data!!
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: First FICO 8 credit score at 6 months with a single credit card account

11 of 155
2 years ago
Sun Mar 13, 2022 6:14 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level28 Last INQWednesday, March 2, 2022 Gardening For2 years, 4 months, 25 days, 4 hours, and 3 minutes Next Level in5 days, 19 hours, and 57 minutes on August 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 4 months, 25 days, 4 hours, and 3 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached4 months, 25 days, 4 hours, and 3 minutes ago
Contrary data poInt: I wonder why the discrepancy, something has to be different it should be higher because this one doesn’t have an inquiry on TU.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: First FICO 8 credit score at 6 months with a single credit card account

12 of 155
2 years ago
Sat Jul 02, 2022 7:06 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level53 Last INQFriday, February 14, 2020 Gardening For4 years, 5 months, 13 days, 4 hours, and 3 minutes Next Level in17 days, 19 hours, and 57 minutes on August 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 5 months, 13 days, 4 hours, and 3 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 5 months, 13 days, 4 hours, and 3 minutes ago
Later this month (July 2022), we're going to see the TransUnion FICO 8 score at 1 year on a brand-new file with a single bankcard revolving account and 1 inquiry.

AND THEN next month (August 2022), when Bank of America updates the TU8 score again, we'll see what that single inquiry cost!

There will be no score gain with aging from 1yr0mo to 1yr1mo, but the single inquiry will have aged to 1 year on July 31st. She'll be inquiry free and util will be at 4% (Around $60), same as this month's report.

EDIT: I forgot to add....she has been getting a LOT of postal mail from Discover over the past 3 months!
Cassie
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Re: First FICO 8 credit score at 6 months with a single credit card account

13 of 155
2 years ago
Sun Jul 03, 2022 11:18 am
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level28 Last INQWednesday, March 2, 2022 Gardening For2 years, 4 months, 25 days, 4 hours, and 3 minutes Next Level in5 days, 19 hours, and 57 minutes on August 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 4 months, 25 days, 4 hours, and 3 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached4 months, 25 days, 4 hours, and 3 minutes ago
Cassie wrote: ↑Sat Jul 02, 2022 7:06 pm Later this month (July 2022), we're going to see the TransUnion FICO 8 score at 1 year on a brand-new file with a single bankcard revolving account and 1 inquiry. AND THEN next month (August 2022), when Bank of America updates the TU8 score again, we'll see what that single inquiry cost! There will be no score gain with aging from 1yr0mo to 1yr1mo, but the single inquiry will have aged to 1 year on July 31st. She'll be inquiry free and util will be at 4% (Around $60), same as this month's report. EDIT: I forgot to add....she has been getting a LOT of postal mail from Discover over the past 3 months!
You gonna be able to talk her into getting the second one or is she’s gonna be as difficult as you were with that? 😉😊
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: First FICO 8 credit score at 6 months with a single credit card account

14 of 155
2 years ago
Wed Jul 20, 2022 6:27 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level53 Last INQFriday, February 14, 2020 Gardening For4 years, 5 months, 13 days, 4 hours, and 3 minutes Next Level in17 days, 19 hours, and 57 minutes on August 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 5 months, 13 days, 4 hours, and 3 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 5 months, 13 days, 4 hours, and 3 minutes ago
Less than 24 hours away from getting an absolute perfectly clean data point on a single revolving bankcard account aging to 1 year on a brand-new credit file. I can't wait! Anyone wanna place a bet on the gain? The BoA provided TU8 score has been at 750 since a score could be calculated at 6 months. I'll go with 765. (I promise I will NOT edit this post to make myself look better tomorrow. LOL)
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: First FICO 8 credit score at 6 months with a single credit card account

15 of 155
2 years ago
Wed Jul 20, 2022 8:17 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level31 Last INQThursday, December 9, 2021 Gardening For2 years, 7 months, 18 days, 4 hours, and 3 minutes Next Level in12 days, 19 hours, and 57 minutes on August 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 7 months, 18 days, 4 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached7 months, 18 days, 4 hours, and 3 minutes ago
Cassie wrote: ↑Wed Jul 20, 2022 6:27 pm Less than 24 hours away from getting an absolute perfectly clean data point on a single revolving bankcard account aging to 1 year on a brand-new credit file. I can't wait! Anyone wanna place a bet on the gain? The BoA provided TU8 score has been at 750 since a score could be calculated at 6 months. I'll go with 765. (I promise I will NOT edit this post to make myself look better tomorrow. LOL)
I took a SS 😆 765 is a good guess. I think 20pts is maybe too much, but 10 is too little...I will go with 760.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: First FICO 8 credit score at 6 months with a single credit card account

16 of 155
2 years ago
Wed Jul 20, 2022 9:38 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level26 Last INQMonday, May 23, 2022 Gardening For2 years, 2 months, 4 days, 4 hours, and 3 minutes Next Level in26 days, 19 hours, and 57 minutes on August 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 2 months, 4 days, 4 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached2 months, 4 days, 4 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved2 months, 4 days, 4 hours, and 3 minutes ago
I'm feeling 762 assuming the reported balance on the 1 revolver is a constant. Is the inquiry associated with the revolver that has no doubt hit 365 days (or will by the next pull) on TU, or a different bureau?
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