I moved to the US 6 months ago and got a Capital One credit card with a $500 limit 2 months ago, which was raised to $600. I recently applied for a phone on credit, and a soft check showed my credit score is 443. Is this normal for a new credit file, or is something negatively impacting my score?
Because your account is only two months old, this number is likely a {"term": "vantage-score", "text": "VantageScore"} or a telecom-specific score.
You have not ruined your US credit forever.













