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Quick question on credit...

Quick question on credit...

Old Apr 24th 2017, 4:42 pm
  #1  
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Default Quick question on credit...

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?
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Old Apr 24th 2017, 5:09 pm
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Default Re: Quick question on credit...

Patience is required.

Building a score takes time.
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Old Apr 24th 2017, 5:22 pm
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Default Re: Quick question on credit...

Are you also checking Transunion?
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Old Apr 24th 2017, 6:48 pm
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Default Re: Quick question on credit...

I think you need 6 months of history before a score can be generated.
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Old Apr 24th 2017, 7:41 pm
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Default Re: Quick question on credit...

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.
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Old Apr 24th 2017, 9:11 pm
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Default Re: Quick question on credit...

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


Originally Posted by petitefrancaise View Post
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.
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Old Apr 24th 2017, 9:46 pm
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Default Re: Quick question on credit...

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.
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Old Apr 25th 2017, 12:16 am
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Default Re: Quick question on credit...

Wells Fargo 'forgot' to report our secured credit card for the year that we had it
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Old Apr 25th 2017, 12:21 am
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Default Re: Quick question on credit...

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!
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Old Apr 25th 2017, 12:04 pm
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Default Re: Quick question on credit...

Originally Posted by BenK91 View Post
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!
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.
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Old Apr 25th 2017, 12:56 pm
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Default Re: Quick question on credit...

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.
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Old Apr 25th 2017, 1:28 pm
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Default Re: Quick question on credit...

Originally Posted by rbackhouse View Post
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.
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!
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Old Apr 25th 2017, 1:55 pm
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Default Re: Quick question on credit...

Originally Posted by Olly_ View Post
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!
Yes, compared it with Turbo Tax. I wouldn't exactly call our returns simple but we don't have multiple state returns.
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Old Apr 25th 2017, 3:59 pm
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Default Re: Quick question on credit...

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.
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Old Apr 25th 2017, 4:26 pm
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Default Re: Quick question on credit...

Originally Posted by mrken30 View Post
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.
True, but it doesn't give a credit score.

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