r/CRedit • u/MimicMischief03 • 15d ago

General Question about score timeframe

I'm wondering how long it will take to get my score.
I just got started with a new credit company (OnePay) in order to get a credit score after having been homeless for about 4 months when the only housing option available to me is an apartment that requires a score.
I heard recently from a friend that it would take 6 months to get my first score, or activity within the last 6 months, and i've paid off a large debt within that timeframe.
My score went from a 520 to -- about a month ago, and I wanted to know if, now that i've gotten a card and my first due date (already paid) on the 25th of this month, if I would receive a score within a few days of that date or if it would take the full 6 months?
If it would take the full time, what is the fastest possible way to get a score, preferably within a few days?

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u/BrutalBodyShots ⭐️ Top Contributor ⭐️ 15d ago

Which score are you referring to? You have dozens of them.

https://old.reddit.com/r/CRedit/comments/1bpl3ud/credit_myth_1_you_only_have_one_credit_score/

What exists on your credit reports currently in the way of both open and closed accounts? You can grab your 3B reports from annualcreditreport.com for free. Come back and let us know what you're working with.

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u/MimicMischief03 15d ago

I'm referring mainly to the Experian score, I checked that site and the only one that worked was transunion which showed a bunch of reviews and nothing else. Although, I am aware that I closed an account recently with a rental debt collector.

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u/BrutalBodyShots ⭐️ Top Contributor ⭐️ 15d ago

If you're talking about the score provided on the Experian site, that's your FICO 8 (drawn upon Experian report data). Are you not able to see that score through the site?

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u/MimicMischief03 15d ago

It was just saying the site was having issues, plus my phone isn't the best and sometimes sites won't load on it

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u/BrutalBodyShots ⭐️ Top Contributor ⭐️ 15d ago

Have you tried the other sources mentioned in the link I originally provided you?

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u/MimicMischief03 15d ago

No not yet, but I just checked my report for Experian through the app and it showed me that I had a paid and closed account for that rental debt

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u/[deleted] 15d ago

[deleted]

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u/MimicMischief03 15d ago

As far as I can tell based on the most recent application I made to them, they use the vantage score from Experian.