What is your credit score when you turn 18?

AffiliatePal is reader-supported. When you buy through links on our site, we may earn an affiliate commission.



When you turn 18, you may be curious about your credit score and how it is determined. Your credit score is an important financial indicator that can impact your ability to secure loans, rent an apartment, or even get a job. In this article, we will explore what your credit score might look like when you turn 18 and why it is important to start building good credit from a young age.

Understanding Credit Scores

Before we delve into what your credit score might be at 18, let’s first understand what a credit score is. A credit score is a three-digit number that represents your creditworthiness. It is calculated based on various factors such as your payment history, credit utilization, length of credit history, types of credit, and new credit.

No Credit History

When you turn 18, it is likely that you have little to no credit history. This means that you have not yet established a track record of borrowing and repaying money. Without a credit history, it can be challenging to obtain a high credit score. However, this doesn’t necessarily mean that your credit score will be low.

Building Credit from Scratch

To start building credit from scratch, there are a few steps you can take. One option is to apply for a secured credit card. A secured credit card requires a cash deposit as collateral, which serves as your credit limit. By using a secured credit card responsibly and making timely payments, you can begin to establish a positive credit history.

Another way to build credit is by becoming an authorized user on someone else’s credit card. This allows you to piggyback off their credit history, but it’s important to choose someone who has a good credit history and uses credit responsibly.

Impact of Credit Age

One crucial factor that affects your credit score is the length of your credit history. The longer you have been using credit responsibly, the better it is for your credit score. When you turn 18, you will have a relatively short credit history, which can impact your credit score.

Other Factors Affecting Credit Score

Apart from credit age, there are other factors that can affect your credit score when you turn 18. These include your payment history, credit utilization, types of credit, and new credit.

Your payment history accounts for a significant portion of your credit score. Making timely payments on your credit obligations, such as credit cards or loans, is crucial for maintaining a good credit score.

Credit utilization refers to the amount of credit you are using compared to your total available credit limit. Keeping your credit utilization low, ideally below 30%, can positively impact your credit score.

The types of credit you have also play a role in determining your credit score. Having a mix of credit accounts, such as credit cards, student loans, or a car loan, can demonstrate your ability to handle different types of credit responsibly.

Finally, applying for new credit can temporarily lower your credit score. When you turn 18, you may be tempted to apply for multiple credit cards or loans, but it’s important to be mindful of the impact it can have on your credit score.


When you turn 18, your credit score may be relatively low or non-existent due to your limited credit history. However, this is an excellent opportunity to start building good credit habits. By responsibly using credit, making timely payments, and keeping your credit utilization low, you can gradually improve your credit score over time.

Remember, building good credit takes time and patience. Start by establishing a credit history with a secured credit card or becoming an authorized user on someone else’s credit card. As you demonstrate responsible credit behavior, your credit score will improve, opening up more opportunities for you in the future.


– Experian: www.experian.com
– Equifax: www.equifax.com
– TransUnion: www.transunion.com