To get a FICO credit score, you must have a credit account that reports to at least one of the three credit bureaus, and you must keep that account open for at least 6 months.
Note: As of September 2017, Fair Isaacs Corporation changed their credit scoring software at each of the three credit bureaus. Authorized credit card account holders no longer have a credit score. An authorized user is someone, usually a family member, who is allowed to use the account but who is not held financially responsible for payment. Permitting an authorized account has been a way for young people to establish credit. This change in credit scoring is to protect lenders from abuse in the marketplace of authorized user credit card accounts by so-called credit repair services that sell good credit card histories to those with poor histories, a strategy called “piggybacking.”
Did you know? Your FICO score may be different at each of the three credit bureaus, because credit card companies may report to each one at a different time of the month and not all credit card companies report to all three bureaus.