How Often Is Your Credit Score Updated?

Credit score information is generally updated every month. Credit bureaus, however, update their records every 90 days. Your credit score is affected by many different factors, such as:

  • Make a payment
  • Miss a payment
  • Apply for credit
  • Charge something to your credit card
  • Default or charge off

Even things such as how long you have lived at the same address and how long you have been with the same job will impact your credit score in some shape or form. The more available credit you have, the better your score will be because it shows you are responsible enough to carry credit, but that you also are responsible enough to use it only when you have to. The longer you hold a job or maintain the same residence, the more stable you appear to be, therefore you are less risk to lenders and creditors, giving you a higher credit score.

Three Bureaus and Updates

Each of the three major credit bureaus: Equifax, TransUnion, and Experian, are all supposed to be working with the same information, so theoretically, the same information gets reported each month. Although the information is the same, sometimes it can get reported differently, because collection agencies do not always report to all three agencies. For instance, a collection account that shows up on a TransUnion report may not be reported to and show up on an Experian report. This is why most lenders will pull a report from all three bureaus, and use a median score to determine whether or not they want to extend a loan or credit to you. The middle score is used to accommodate a median score, instead of using an exact score.

When the Score is updated does it Change?

If you are actively involved in using credit cards, applying for credit cards, or engaging in payments, your credit score will be constantly fluctuating. If you don't have any payments to make (balances to carry) and you don't change the amount of credit you have available to you (i.e. don't charge a large balance) the credit score probably won't change.

If you are consistently making on time payments to your mortgages and credit cards, while keeping balances low and avoiding opening even more lines of credit, your credit score should steadily rise over the next few months. If on the other hand you are charging more and more on credit cards, missing payments, or barely making the minimum payment, you will see your credit score fall steadily (or drastically depending on the situation) over the next few months. Don't let it get out of control. Avoid using your credit cards unless you know you can pay the balance off, and don't open any lines of credit you don't need because it is an invitation to get into bad spending habits.


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