Credit checks are often required when opening a new account, finding a place to live or even starting a new job. Since your financial habits impact your credit, a credit score is a way for lenders to see how risky it is to lend to you.

Usually the higher your credit score, the more likely you are to be approved for new credit. Just remember, credit is a journey—your score can grow with time and consistent healthy credit habits.

First you'll need to establish credit. There are many ways to do this, so we’ve made it simple. After setting up your Experian account, just answer a few questions, and we’ll recommend the credit path that works best for you.

Once you establish credit, expect to see your FICO^® Score when you have about 6 months of credit history. And if you have existing payment history on file, you’re already on your way to seeing your FICO^® Score.

If you establish credit by opening a credit card, set yourself up for your best first FICO^® Score by developing healthy credit habits as you build your credit history. Payment history is the most important factor in determining your FICO^® Score, so make a plan of how and when you’ll pay and stick to it.

Keep in mind, your first FICO^® Score is a starting point. You may not qualify for the best credit cards and interest rates from the start, but remember, your credit journey is a marathon, not a sprint.

Getting your first FICO^® Score opens a whole new world of credit. Reaching this milestone means you’ll graduate from the Experian Go^TM dashboard and experience, and you’ll receive updated tips, financial insights and personalized credit offers to reflect the next stage of your credit journey.