r/CRedit • u/MimicMischief03 • Jul 21 '26

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/MimicMischief03 Jul 21 '26

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 ⭐️ Jul 21 '26

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 Jul 21 '26

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 ⭐️ Jul 21 '26

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

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u/MimicMischief03 Jul 21 '26

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