<prompt> Human: Im 18 and just opened a capital one secured credit cared with a 200 limit. I spent 120 on it last month and paid it in full, now credit karma and capital one are both showing a score of 714, is this right? Is it even possible to have a score that high after making one payment?EDIT: Title was supposed to saw credit card  <response>: Lets say your FICO score actually is 714. Youll still be a risk to lenders because you have a thin file; they dont just look at your score but at your whole report. But keep at it, and youll thicken your file in no time: 