 TITLE: How to Establish Credit If You’re Unscoreable CONTENT: Minimum Requirements for a Credit Score\n---------------------------------------\nThe requirements credit scoring models have to generate a credit score for you depend on the type of credit score. For FICO®'s credit scoring models, you need to have both of the following:\n*   A credit account in your credit report that's at least six months old\n*   Credit activity on a credit account during the previous six months\nThese don't need to be the same accounts. For example, if you pay off a loan, it can stay on your credit reports for up to ten years. If the loan was your only credit account and you paid it off over a year ago, however, then you won't be scoreable after six months because you won't have an account with recent activity. The good news: You could become scoreable again as soon as you open a new account.\nVantageScore's credit scoring models don't require as much information as FICO: You'll be scoreable once you have an account with activity, even if the account has only been active for one month. END