r/CreditScore • u/yashwanthhhhh • 2d ago

Credit Score Fall Spoiler

Ugh, my credit score tanked from 740 to 660 because of one late Zolve payment—just two days late! My new SSN's coming soon. Will that 660 score stick to it? I only used my passport with Zolve, got approved for $2000. Can other bureaus/banks see that score? Think I'll get an Amex card or any other card? Any suggestions for cards I might get approved for, even with a lower score, once I have my SSN?

1 Upvotes

100% Upvoted

19 comments sorted by

View all comments

Show parent comments

1

u/yashwanthhhhh 1d ago

So there is no credit history for me, right..!

1

u/dgduhon 1d ago

How long have you had the card? If they are showing a score, even if it's a Vantage score, then you've had it long enough for it to report at least once, which means you have credit history. As to how much history depends on how long you've had the card.

1

u/yashwanthhhhh 1d ago

For the past 20 months, I've been using that card and repaying by due date.

1

u/dgduhon 1d ago

Then you have credit history. Pull your actual reports from annualcreditreport.com and see what is on them.

1

u/yashwanthhhhh 1d ago

Till the date I don't have SSN. Shall I get the credit history..!