Skip to main content

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

How long after getting my first credit account will a credit score be created?

While the amount of time it takes and the amount of information needed may vary depending upon the credit scoring model being used, for at least one of the three nationwide credit reporting companies, you must have at least one account open six months or more and at least one undisputed account reported by a creditor to the credit bureau in the last six months.

Was this page helpful to you?

Note: Do not include sensitive information like your name, contact information, account number, or social security number in this field.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

Read full answer Hide full answer