What Does Your Credit Score Start at Reddit

Title: What Does Your Credit Score Start at? Insights from Reddit Users


Your credit score plays a crucial role in determining your financial well-being. It reflects your creditworthiness and affects your ability to secure loans, credit cards, and even rental agreements. However, many people are unsure about where their credit score begins and how it is calculated. To shed light on this topic, we turn to the Reddit community to explore the question, “What does your credit score start at?” In this article, we will delve into various discussions, experiences, and frequently asked questions related to credit scores on Reddit.

What Does Your Credit Score Start at, According to Reddit?

1. Building Credit from Scratch:
Reddit users often inquire about how to establish a credit score from scratch. Many individuals, especially students or those who have not previously utilized credit, are concerned about starting with a low or non-existent score. The general consensus shared by Reddit users is that everyone begins with a credit score of zero. To build credit, they recommend starting with a secured credit card or becoming an authorized user on someone else’s credit card.

2. Factors Influencing the Initial Credit Score:
Several Reddit discussions highlight the factors that influence a starting credit score. Factors such as the presence of a credit history, credit utilization ratio, and payment history play a significant role in determining where your score begins. While these factors may vary from person to person, Reddit users generally agree that the absence of any credit history and late payments can result in a lower starting score.

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3. Credit Score Ranges:
Reddit users often discuss the credit score ranges and their implications. According to the FICO scoring model, credit scores range from 300 to 850. Users commonly report starting scores in the range of 600 to 700, which is considered average or fair. However, it’s important to note that individual experiences may differ, and some users may have higher or lower starting scores based on their credit activities.

4. Credit Score Tracking:
Reddit users frequently seek advice on how to track their credit score consistently. Many users recommend utilizing free credit monitoring services such as Credit Karma or Credit Sesame. These platforms allow users to monitor their credit scores, receive alerts about changes, and gain insights into factors affecting their scores.

FAQs about Starting Credit Scores:

1. Can I have a credit score without a credit card?
Yes, it is possible to have a credit score without a credit card. Other financial activities, such as loans or utility payments, can contribute to building a credit history.

2. How long does it take to establish a credit score?
The time required to establish a credit score varies depending on individual circumstances. Generally, it takes at least six months of consistent credit activity to generate a credit score.

3. Does being an authorized user on someone else’s credit card help build a credit score?
Yes, being an authorized user on someone else’s credit card can help build credit. However, it is essential to ensure that the primary cardholder has a good credit history and maintains responsible credit usage.

4. What can I do to improve my starting credit score?
To improve a starting credit score, focus on paying bills on time, maintaining a low credit utilization ratio, and establishing a positive credit history by making responsible credit decisions.

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5. Are credit scores the same across different credit bureaus?
No, credit scores can vary across credit bureaus due to differences in their scoring models and the information reported by creditors. It is advisable to monitor scores from multiple bureaus to gain a comprehensive understanding of your credit health.


Understanding where your credit score starts is essential for managing your financial future. Reddit provides valuable insights into the world of credit scores, shedding light on common concerns and questions. Remember, everyone starts with a credit score of zero, and building credit requires consistent and responsible financial behavior. Utilizing free credit monitoring services and seeking advice from trusted sources can help you navigate the credit-building journey successfully.