22 y/o college student
Previous credit influence has been a mentor who preached that credit cards are evil.
No revolving credit history when I came along.
Only credit history is $4k student loan taken out June, 2011, deferred status.
Signed up for Credit Karma, Credit Sesame at 6 months of credit history:
CK: 2012-01-03 TransRisk 653, Auto 773, VantageScore 588 (F)
CS: 2012-01-03 Experian National Equivalency Score (NES) 669
Added to 13 y/o AmEx.
Reported today, bumps AAoA from 0.5 to 6.5 years:
CK: 2012-01-27 TransRisk 653, Auto 818, VantageScore 588 (F)
myFICO TU98: 2012-01-27 TransUnion 747
Obviously, TransRisk and VantageScore do not factor in AU accounts.
Cannot pull Equifax FICO score, unable to verify SSN, identity.
Will add to one of my utility bills, get new driver's license with my address, try again next month.