Credit scores typically update at least once a month, but the exact timing depends on when your lenders report information to the three major credit bureaus (Equifax, Experian, and TransUnion). Lenders usually report account activity such as payments, balances, and new credit applications every 30 to 45 days. Because each lender has its own reporting schedule and may report to one or more bureaus at different times, your credit score can update multiple times a month if you have multiple accounts with different reporting dates. There is no set day of the month when credit scores update universally; updates vary based on each lender’s reporting cycle. Also, credit scores are recalculated when someone requests them, reflecting the most recent information on your credit report at that time. In summary:
- Credit scores generally update monthly, aligned with lenders’ reporting schedules.
- Some lenders report multiple times a month, which can lead to more frequent updates.
- The timing can vary across the three major credit bureaus since not all lenders report to all bureaus.
- There is no fixed date when your credit score updates; it depends on when new information is reported and when scores are requested.
If you are actively monitoring your credit, you may see different scores at different times due to these factors.
