Do I have credit history after 3 months?
Hi everyone! I got my first credit card 3.5 months ago and I already made 3 paiements on it. I'm actually looking for an apartment and I'm afraid to not have a credit history yet. Does anyone know if I might already have one and if I don't how long will that take? Thanks for your answers!
Public Comments
- you may have some credit history, but not much. it usually takes longer than 3 months to establish a noticeable history. just keep paying your bills on time and you will be fine. you can also search the web for sites that will give you free credit reports so you can take a look and see whats going on with your credit. just dont keep opening too many credit card accounts because that can and will lower your score.
- 6 months minimum is needed in order to pull/ obtain a credit score.
