What does your credit score start out as?

Wondering...I'm young and just got my first real credit card about 3 months ago. I've paid everything off every month so far. What does your credit score start as? Before I got it, I had no credit history whatsoever, but I expect to now or very soon since I now have credit. Anyone know what number I may have started at? Would it just be the national average? Or does it start higher? Thanks! I mean...I know I had no score at all, but I guess I am really asking: once you open a line of credit, where does your score immediately fall when it is initially opened?

Public Comments

1. you start out with no score at all. as your credit profile gets populated with the age of accound, length of accoutns, etc, your profile will gradually fall between 630-735 within the first twelve months, assuming you have no delinquencies and keep a balance to limit ration of under 30%.
2. It start out as zero. To make your future bright always pay on time. And stick with just one credit card. It always best to pay cash.
3. you are talking about revolving accounts and as far as a score , the score will increase more dramatically with an installment loan. you will see a change after 3 months then it will progress from there dont listen to the people who say always pay cash that is b.s. the way your score starts is 0 then it will go up from there. the highest I've ever seen is an 850 credit score , but there are three different credit agencies , trans union, equifax, and experian. all have different scoring criteria. good luck and be patient
4. You don't really start off with a score until your first account is reported. When your credit history is non-existant, there is no score. You should start off around 600 or so when your first account starts reporting. I would reccommend opening 4 or 5 accounts over time and keeping them open & active as long as you can.
5. Credit scores are made up of the following; 1. Pay history 35% 2. Time in bureau 15% 3. Types of credit 10% 4. New credit 10% 5. Debt to credit ratio 30% As you can see 1,2&5 are the most important as far as scoe is concerned but you need much more then just a good score you also need a good profile. You will need 3 credit card accounts (revolving) and at least 2 cars, boats, homes, furniture or personal loan accounts (installment) all with good long pay historys and your CC balances below 30% fo your credit limit every month. This mix of credit will give you the best profile and score. Credit scores always start out at 0. Reportable scores run from 300 to 850. Yours after about 3-months should be somewhere in the 600 range.
6. Your credit score is based on a formula that measures your credit history and current credit accounts. You should take the opportunity to request a credit report and your current credit score to help you manage where you are now. It is very important to know what is on your credit report and what your credit score is compiled of, and also what it means. You can start doing some research on this by checking out this website: http://credit.privacymatters.com/credit-articles/credit-score-101.aspx