BenK91

Moved here in November,

Opened up a secured card and I've had it/been using it for two months.

I've gone through two Experian "credit report cycles" and I still have absolutely no score. Is this normal?

The secured card is through my bank - Wells Fargo.

Should I open up a different secured card with someone like Discover or should I just be more patient?

scrubbedexpat091

Patience is required.

Building a score takes time.

mrken30

Are you also checking Transunion?

Olly_

I think you need 6 months of history before a score can be generated.

petitefrancaise

Sign up to creditkarma.com

They check experian and transunion each month and let you know how your credit score is going. It's free.

I like this kind of push notification stuff, I have far too much going on to remember to check things and they remind you to request your credit reports etc.

scrubbedexpat091

+1 on credit karma. Ive used it since they started.

tom169

6 months of activity with at least 1 reporting lender is required. Most lenders will report once a month.

Discover secured card is a good one to have given it has cashback. It's pretty much accepted everywhere in the US, but does have limited coverage beyond the borders.

Wibblypig

Wells Fargo 'forgot' to report our secured credit card for the year that we had it

BenK91

Thanks all, signed up to CreditKarma and could see a score with Transunion!

Looks a very good piece of kit considering it's free!

Thanks all!

rbackhouse

You can also now file your taxes through them too for free (both fed and state). We tried it out this year. Better than paying money to Turbo Tax.

scottyvisa

I've had two credit cards for about 8 months now, neither secured but both with low credit limits. Got a score almost instantly and it is now nearing 700. One is a credit building card, after 18 months they'll review the limit and hopefully increase it. I've already started getting unsolicited offers from other providers, hopefully a good sign.

Olly_

I couldn't use CreditKarma this year because it didn't support filing multiple state returns and judging by the online comments I've seen I'm glad I didn't - apparently it had loads of errors.

I guess if your return was really simple you may be okay but I hope you double checked its calculations!

rbackhouse

Yes, compared it with Turbo Tax. I wouldn't exactly call our returns simple but we don't have multiple state returns.

mrken30

If you want a free full credit report, you can go to quizzle.com and also https://www.annualcreditreport.com/index.action . You get one free report from each agency per year.

MidAtlantic

True, but it doesn't give a credit score.

You can also see your credit report any time you like on creditkarma.