If you’re new to credit, it can take some time to build up your score. When it comes to your FICO Score, you’ll need to meet the following requirements to get on the radar:
A credit account that is aged at least six months
An account with activity within the last six months
However, with VantageScore, all you need is an active credit account.
If you don’t have much credit history, it may be time to apply for a new credit card or look into a credit builder loan.