My daughter secured a $500 loan despite lacking a credit score. What happened?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 18 2025
0mins
Source: MarketWatch
Loan for Credit Building: A parent took their 18-year-old daughter to a credit union to secure a $500 loan aimed at helping her establish a credit score.
Payment History: The daughter has made seven monthly payments on the loan, but her credit score has not yet been updated on Credit Karma.
Credit Reporting Delay: Despite the loan payments, Credit Karma indicates that she has no active accounts, resulting in no credit score being reported.
Inquiry About Credit Score: The parent is seeking clarification on why the loan activity has not been reflected in the daughter's credit score.
Analyst Views on FICO
Wall Street analysts forecast FICO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FICO is 2070 USD with a low forecast of 1700 USD and a high forecast of 2400 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
8 Buy
3 Hold
0 Sell
Moderate Buy
Current: 1556.950
Low
1700
Averages
2070
High
2400
Current: 1556.950
Low
1700
Averages
2070
High
2400
About FICO
Fair Isaac Corporation is an applied analytics software company. The Company is focused on using predictive analytics and data science to improve operational decisions. The Company operates through two segments: Scores and Software. The Scores segment includes the Company's business-to-business scoring solutions and services which give its clients access to predictive credit and other scores. This segment includes its business-to-consumer scoring solutions, including its myFICO.com subscription offerings. The Company’s Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process, such as account origination, customer management, customer engagement, fraud detection and marketing as well as associated professional services. This segment includes FICO Platform, a modular software offering designed to support advanced analytic and decision use cases as well as stand-alone analytic and decisioning software.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
