How long does it take for credit card companies to report to credit report?

taylor.hulsey asked:


I have one credit card and its always paid I have had it for about 4 months and my credit score is still 0 and shows no credit card accounts how long does it take for them to report it ?

Theodore

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6 Responses to “How long does it take for credit card companies to report to credit report?”

1. finerob18 Says:
   April 6th, 2009 at 11:49 am

   Stanley

   Its takes at least 1 year for you to build up credit on a credit card. And it also depends on where you are looking at your credit score. If you are looking on an online website like freecreditreport.com most likely it will not be right because most banks and other places that look at your credit score have 3 major scales that the look at: exprion, equifax and 1 other.

2. Sarah Says:
   April 7th, 2009 at 7:49 pm

   Lewis

   Normally it should only take 3 months. Be patient because before you know it, you will have your credit score. I think it does take more than one creditor though. ( I could be wrong) Good luck & don’t get too in debt, because it is not worth it!

3. Murphy Says:
   April 10th, 2009 at 10:15 am

   Brian

   Capital One had a credit report monitoring service they signed me up for when I got my first credit card from them. After about 6 months of a 0 credit score, I switched to Experian Credit Expert. It is costing about twice as much, but I found there was actually a lot of information on my credit report where the old service showed nothing.

   I think having a service directly from a credit bureau like Credit Expert from Experian is probably much better.

4. bdancer222 Says:
   April 10th, 2009 at 3:00 pm

   Jamie

   Credit cards usually report within 60 days. However, you will need a minimum of 6 months before you have a score of any sort. Best way to build your score is to use the card and pay it in full every month.

   Don’t waste money on monitoring services. You really don’t need to be checking your score every week or month.

5. 1-800badcredit Says:
   April 12th, 2009 at 12:40 pm

   Erik

   Credit companies (car loans and home loans too) are typically about 30 to 60 days behind. If it’s a NEW card, the first recording could take 3 months or a little more. My friend bought a car and it took 6 months to actually show up on her credit report.

6. Pradeep R Says:
   April 12th, 2009 at 2:02 pm

   Franklin

   is a good site to go to, to get credit report advice.