When is My Credit Health Report Updated?

Credit reporting agencies usually update your credit reports every month. Creditors and lenders provide updates on your credit card balances, loan payments, and new accounts. Public records like bankruptcies and collection accounts are also reported.

You should regularly review your report for errors, identify inaccuracies, and resolve them. The agencies will investigate and update your report accordingly.

Keep in mind that while your credit report is updated frequently, your credit score might not be updated often. Credit Scores are calculated when requested and can vary with different models. Creditors may not report to all three major credit bureaus, which can result in variations between your credit reports.

You can expect monthly updates to your credit report, but your credit score is updated less frequently. Regularly reviewing your credit report helps you stay informed about your financial status and address any issues.