 TITLE: How to Improve Your Credit Score CONTENT: Establishing or Building Your Credit Scores\n-------------------------------------------\nDepending on your experience with credit, you might not have a credit report at all. Or, your credit report might not have enough information that credit scoring models are able to assign you a credit score.\nWith FICO® Scores☉ , you need to have at least one account that's six months old or older, and credit activity during the past six months. With VantageScore, a score may be calculated as soon as an account appears on your report.\nWhen you don't meet the criteria, the scoring model can't score your credit report—in other words, you're \"credit invisible.\" As a result, creditors won't be able to check your credit scores, which could make it difficult to open new credit accounts.\nSome people may be in a situation where they've only opened accounts with creditors that report to only one bureau. When this happens, they may only be scorable if a creditor requests a credit report and score from that bureau.\nIf you're brand new to credit, or reestablishing your credit, revisit step one above. END