I moved to US for the first time in my life, 6 months ago. I've got my credit card with $500 (not a secured one, a real card from Chase) like 4 months ago. And I also had a car loan for about 9K, just for purpose of building credit score. And I already made 2 payments on time. I see my score on Credit Karma to be 665 right now, and it is still slowly going up. Right now I am looking forward to have a home loan too, because paying rent does not make me happy. But apparently my credit score is not available for companies who ask for it. I know that because I tried to port my cell line to Verizon and get new phones as well, but they requested high down payment because they did not get any result from that, as if like I don't exist at all When do you think it will be available to companies to see that? Like a year perhaps? Thanks for your replies.