When Does My Credit Score Update? Take a Minute to Learn More:

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When Does My Credit Score Update?

The three major credit bureaus—Equifax, Experian, and TransUnion—do not update credit scores on fixed dates or schedules. Instead, credit scores are updated whenever lenders and creditors report new information to the credit bureaus. Here’s how it generally works:

📅 How Often Are Credit Reports Updated?

  • Lenders typically report data every 30 to 45 days.
  • Different creditors may report at different times of the month, so updates can happen throughout the month.
  • If you make a significant change (e.g., paying off a large debt), the update will reflect once the creditor reports it.

📊 When Are Credit Scores Updated?

  • Your credit score updates as soon as your credit report changes.
  • If you check your score daily, you might notice small changes frequently.
  • However, most people see updates about once a month, depending on when creditors report.

🏦 Factors That Trigger Updates:

  1. Payment history (on-time or missed payments).
  2. Changes in credit utilization (e.g., paying off debt).
  3. Opening or closing accounts.
  4. Hard inquiries (e.g., applying for credit).

✅ Best Practice:

  • If you’re planning a major financial move (like applying for a loan), it’s a good idea to check your credit score after your creditors have reported recent changes (usually at the end or beginning of a billing cycle).

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