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Due to these factors, opening a new account is likely to drop your credit score in the short term.
However, as you begin to diligently pay off your bills, the additional on-time payments, the higher number of total accounts and your now-growing age of credit history will likely outweigh the initial downsides, and your score can benefit in the long term.
Due to this fact, you may want to consider tracking your credit score over longer periods of time.
It usually takes specific changes to your credit information for your score to move, and once these changes occur, it could take some time for your credit report to reflect your new status.
Once you open your new account you will get an instant credit check from Trans Union, using Vantage Score 3.0, which has their own way to calculate credit scores.
Other credit score models include the FICO score, which uses a different methodology to calculate your credit.
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There are four different types of credit starting with revolving credit, charge card, service credit, and installment credit.