It typically takes about 3 to 6 months of credit activity for your first credit score to be established. This is because credit scoring models like FICO generally require at least six months of credit history to generate a score, while some models like VantageScore can produce a score sooner, sometimes within a month of your first account being reported

. Here are key points about establishing your first credit score:

• You need at least one credit account open and reported to the credit bureaus (Experian, TransUnion, Equifax) for several months to generate a score

• Lenders usually update your credit report every 4 to 6 weeks, so it takes time for new accounts and payment history to appear and be reflected in your score

• The first credit score reflects your financial behavior over time, so consistent on-time payments and credit use over several months are necessary to build a score

• While you can get a VantageScore relatively quickly, the widely used FICO score typically requires about six months of history

In summary, expect to wait about six months after opening your first credit account before your first credit score is generated, with some variation depending on the scoring model and reporting times.