The Review:

I recently opened my account on March 16, 2008. I pulled my credit report and didn't have a score. I was approved for a $300 Credit Line with the Credit Steps program etc. I pulled my credit report today after 2 statements and have not seen anything on my Credit Report as far as an open account or the history of this account so far. Nothing other than the inquery. Any idea when this will show up on my report since this is the first and only thing on my report? Any idea of what my credit score might be after 2 on time payments in full with balances of $120 and $80? I have 4 inqueries on TU, 6 inqueries on Equifax, and 9 inqueries on Experian. Any help will be good. Thanks!

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Comments On This Review: (9 Total)

Comment by Hjm331 - Posted on 2008-05-09 Which credit bureau did you pull your report from? If it was from Equifax, it takes a while for them to update your report. Experian is the bureau with the fatest updates that's why a lot of credit card lenders like pulling from Experian.

Comment by NS1987 - Posted on 2008-05-09 I pulled all 3.

Comment by Meya - Posted on 2008-05-09 Give it till the end of this month, and remember that the card is new and all creditors do not report at the same time. No matter how small or little you pay, the main thing that matters is on time payments and utilization.

Comment by Aclove404 - Posted on 2008-05-09 If this is your first credit acct it will take about 6mos for a score to appear you will probably land about 630 after the 6mos keep this card for a yr before u get anything else I am a loan officer so I see credit reports all day long

Comment by KellBell - Posted on 2008-05-09 Don't mess us with this card or any other! Pay it off at the end of every month! Only use 30% of your entire credit line! Never be late! Don't worry about when it will show up on your credit report! Just pay it on time every time! If I could take your face in my hands, rookie, I would! GOOD LUCK!

Comment by Hjm331 - Posted on 2008-05-09 Like others said, make your payments on time and just wait until the info shows up on your account. It is a new account so it might take some time but it's all downhill after that. They will start reporting monthly and that's when your score will increase. The older your credit card grows and the more on time payments you make, the higher your score will be.

Comment by Hjm331 - Posted on 2008-05-09 Don't max out your credit card, it will hurt your score and don't go over your credit limit. Good Luck

Comment by NS1987 - Posted on 2008-05-09 Thanks everyone for all the help and advice. I will just wait. My main goal is to get Amex. I figure I'll start with the green or gold rewards then blue cash or clear. Any idea on how long I should wait before I apply again? I applied a few months (maybe 3) ago before this card not knowing what I was doing and was denied :(

Comment by Hjm331 - Posted on 2008-05-09 Apply for the AMEX Delta Skymiles Gold card after you have a sold 1 year old payment history on your report. It gets you in the door with AMEX.