When you turn 18 what is your credit score?

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When you turn 18, you may be curious about many things, including your credit score. Your credit score is a three-digit number that represents your creditworthiness and is an important factor in determining your ability to obtain credit, such as loans or credit cards. However, the question of what your credit score will be when you turn 18 is not as straightforward as it may seem. Let’s dive deeper into this topic to understand the factors that influence your credit score at 18.

Building Credit at 18

Turning 18 is a significant milestone as it marks the beginning of adulthood and financial independence for many individuals. However, at this age, most people have little to no credit history, which can make it challenging to have a credit score. Building credit at 18 requires taking proactive steps to establish a credit history.

Opening a Credit Card: One way to start building credit is by opening a credit card. However, as an 18-year-old, you may have limited options, and you might need a co-signer, such as a parent or guardian, to help you get approved. Responsible credit card usage, such as making timely payments and keeping your credit utilization low, can help you build a positive credit history.

Student Loans: If you plan to pursue higher education, taking out student loans can also contribute to building your credit history. Making regular payments on your student loans demonstrates responsible financial behavior and can positively impact your credit score.

Factors Affecting Your Credit Score

Several factors influence your credit score, and they apply regardless of your age. These factors include:

Payment History: Your payment history is one of the most critical factors in determining your credit score. Making payments on time and in full demonstrates responsible financial behavior and can help improve your credit score.

Credit Utilization: Credit utilization refers to the amount of available credit you are using. Keeping your credit utilization ratio low, ideally below 30%, is generally considered favorable for your credit score.

Length of Credit History: The length of your credit history also plays a role in determining your credit score. As an 18-year-old, you will have a relatively short credit history, which may impact your credit score.

Credit Mix: Having a mix of different types of credit, such as credit cards, loans, and mortgages, can positively impact your credit score. However, as an 18-year-old, you may not have a diverse credit mix yet.

New Credit: Opening multiple new credit accounts within a short period can negatively impact your credit score. It is important to be mindful of how many new credit accounts you open.


When you turn 18, your credit score may not be well-established yet. Building credit takes time and responsible financial behavior. Opening a credit card, making timely payments, and keeping your credit utilization low are some steps you can take to start building a positive credit history. Remember that your credit score is not solely determined by your age but by various factors, including payment history, credit utilization, length of credit history, credit mix, and new credit.


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