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Dear JACUSTOMER - The credit bureaus are private companies with their own set standards as to how they calculate credit scores and there is no legal time limit on when you can apply for another loan or credit card. Generally an application for credit is something that can affect your overall credit score but in this case you had no credit score to begin with. You may want to write to the credit agencies and find out their policies as to this particular situation. There is no law as to how this application will affect your score so it will be up to them to give you their guidelines. I have included their websites below.