lots of questions.

[Casandrah]

i have some questions and if this is in the wrong placei appologise.   What free site has a more correct fico score?  If none then what paid site is?  I applied for a creditone card but they need additional information such as a copy of my ss# and drivers license number is this normal?  How long will it take my victoria secret to show up I will not be using it but it was preapproved and i just had to see if it really worked for me or not.  I paid off my von maur card today and will not be using it any more.  My fingerhut went from freshstart to regular this past month.  I am slowly trying too get all of our accounts paid down but its a slow process for me.  I would just like toknow where i stand score wise.  Thanks

[Skye12329]

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@Casandrah wrote:

i have some questions and if this is in the wrong placei appologise.   What free site has a more correct fico score?  If none then what paid site is?  I applied for a creditone card but they need additional information such as a copy of my ss# and drivers license number is this normal?  How long will it take my victoria secret to show up I will not be using it but it was preapproved and i just had to see if it really worked for me or not.  I paid off my von maur card today and will not be using it any more.  My fingerhut went from freshstart to regular this past month.  I am slowly trying too get all of our accounts paid down but its a slow process for me.  I would just like toknow where i stand score wise.  Thanks

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1. The my fico website is the best. You can get a free one for a trial and cancel it if you choose. You still get your score. It is a paid membership though if you choose not to cancel.

2. Yes thats normal for some companies. They just need to verify its you. 

3.  Little confused on what you mean to show up. On your report it will show up after about 1 - 2 mos. If you applied and were approved that is. As for a 0 balance showing, end of the statement + 3 days usually.

4. No one but Fico can tell you where you stand score wise. 

[Casandrah]

Thank you for your help.  Yes I was wondering when my victoria secret would show up on my credit report.  I will look at myfico site now to join. 

[takeshi74]

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@Casandrah wrote:

 What free site has a more correct fico score?

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myFICO is the only site you can purchase FICO's from.  However, keep in mind that there are a number of FICO models used by creditors.  The model used to generate scores that you get from myFICO may not be the same model used by  a given creditor so scores can vary due to differences in models.

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@Casandrah wrote:

I applied for a creditone card but they need additional information such as a copy of my ss# and drivers license number is this normal?

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Normal isn't really relevant.  Not everyone has to do so but it's not abnormal for a creditor to require additional verification in certain situations.

[CreditDunce]

Unless those AU accounts have a really long history, I would probably drop them.   One is 50% utilized the other is maxed out.  They are hurting your score.   If you can get the accounts PIF, that would be different.  You only need 3 CCs for a maximum credit score.

Once your new accounts have aged, you may want to consider getting a CC with Walmart, Barclay's or Discover.  All three offer a free fico TU-08 score updated at least every 10 weeks, but could be monthly.  It is also possible to get a EQ score from DCU with just a checking account and a couple other requirements.