<prompt> Human: I just received my first credit card a month ago 300 limit and Im in the process of building my credit. So I was wondering, for people like me, who just started building their credit is there an average range for the first credit score? Im just curious and wondering what to expect once I get my credit score. Assuming I utilize 10 of my card, and always pay early and in full what will my credit score be around?  <response>: A FICO score can only be generated on a credit file with more than one trade line reported within the last six months and over six months old and the consumer must not be dead. Below the minimum criteria, you will not have a credit score at all. After six months, I would guess you would start somewhere between 600 - 700 on FICO models. You would be subject to wild swings due to your thin file. You wont have any bad items, but you wont really have any good items either. 