Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
Noobmaster

0 Contributions
0 People Helped
How long before I get a credit score?
After I have been paying my phone bill, and my Kohl's Charge on time/ ahead of time how long will it take before I get a credit score?

I didn't know much about credit score so I applied for 3 different chase credit cards not know about hard inquires...

Anyways, how long before my on time and ahead of payments will impact my credit score?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5038 Contributions
1136 People Helped

Phone bill payments do not factor into your credit report/scores unless of course you don't pay them then you will get a collection on your report from them. The Kohl's card should report to the bureaus, but you may want to get a regular credit card, even if it has to be secured. It will typically take about 6 months before you see a score once you start using credit. Be extremely careful about who you apply with, you will need to find a secured card or an unsecured from a subprime lender. Stop applying for prime cards, you will keep getting hit with inquiries and denials.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.