When Do Credit Scores Update?

Credit scores are one of the most important pieces of financial information out there. They can impact everything from your ability to get a loan to the interest rate you pay on your credit card. So when do credit scores update? Keep reading to find out.

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General Information about Credit Scores

Credit scores are calculated based on your credit report, which is a record of your credit activity that includes the names of your creditors, the type and number of accounts you have, your payment history, and any derogatory information. Credit scores are used by lenders to help them decide whether or not to give you a loan.

What is a credit score?

A credit score is a three-digit number that lenders use to predict how likely you are to repay debt. It is based on your credit history, which is a record of your borrowing and repayment activity. The higher your score, the more likely you are to repay debt and the lower your interest rates will be.

Who uses credit scores?

Credit scores are used by lenders to help them determine whether or not you’re a good candidate for a loan. A high credit score means you’re less of a risk to the lender, which could lead to a lower interest rate on your loan. A low credit score could lead to a higher interest rate and could mean you won’t be approved for a loan at all.

Credit scores are also used by landlords, employers, and utility companies to help them decide whether or not to approve you for an apartment, job, or service.

What factors affect credit scores?

Credit scores are calculated using a number of different factors, including:

-The type of credit accounts you have (e.g. credit cards, mortgages, etc.)
-The age of your credit accounts
-The amount of money you owe on your credit accounts
-The payment history on your credit accounts
-Any recent inquiries into your credit history

Credit scores can range from 300 to 850, and the higher your score, the better. Scores of 720 or higher are considered very good, while scores of 800 or higher are considered excellent.

How Often Do Credit Scores Update?

If you’re trying to improve your credit score, you might be wondering how often credit scores update. The answer is that it depends on the credit scoring model being used. For example, FICO scores are updated every 30 days, while VantageScore 3.0 scores are updated monthly. Keep reading to learn more about how often credit scores update.


Your credit score is a snapshot of your credit risk at a given point in time. It’s important to know that your score may change over time, as your credit habits and the information in your credit report change.

Your credit scores and reports are updated monthly. That means if you check your scores one month and there’s no change, you may see a different score the next month. The changes in your score are usually small, and they usually happen gradually over time. You may not see any change in your scores for months, or even years.

You can check your scores as often as you like without affecting them. When you check your scores, we do not flag them as “ hard inquiries” like lenders do when they pull your report to make a lending decision.

Keep in mind that different scoring models may use different methods for updating scores, so you may see different scores from different providers at different times.


Some people believe that their credit scores update monthly, but the truth is that credit scores are actually updated on a quarterly basis. This means that if you’re looking to improve your credit score, you’ll need to be patient and wait a few months before you see any changes.

There are a few different things that can cause your credit score to change, including paying off debt, opening new lines of credit, or closing old lines of credit. However, these changes can take a while to show up on your credit report, which is what creditors use to determine your credit score.

If you’re hoping to see a quick change in your credit score, you might be wondering how often do credit scores update? The answer is quarterly, so you’ll need to wait at least three months before you see any changes in your score. In the meantime, focus on making timely payments and keeping your debt levels low. These habits will help improve your score over time and make it easier to get approved for loans and lines of credit in the future.

After Major Life Changes

Your credit score is a reflection of your creditworthiness and is used by lenders to determine whether or not to extend you credit. Because your score is constantly changing, it’s important to stay up-to-date on what’s impacting your credit.

One of the biggest factors that can impact your credit score is a major life change. Whether you’re experiencing a divorce, job loss, or illness, these changes can have a direct impact on your finances and, as a result, your credit score.

If you’re going through a major life change, here’s what you need to know about how it could affect your credit score:

Divorce: If you’re going through a divorce, you may be tempted to max out your credit cards or take out loans in order to keep up with the increased expenses. However, this can actually have the opposite effect on your credit score. One of the most important things you can do during a divorce is keep your debt levels low and make all of your payments on time. Doing so will help you maintain a good credit score during this difficult time.

Job loss: Job loss can be devastating both emotionally and financially. If you’re facing unemployment, it’s important to start making cuts in your budget right away in order to free up some cash flow. You may also want to consider using your savings to cover expenses, if possible. Also, be sure to stay current on all of your debt payments, as missing even one payment can have a significant negative impact on your credit score.

Illness: An unexpected illness can also lead to financial hardship and decreased credit scores. If you’re facing medical bills as a result of an illness, try to negotiate with providers for lower rates or set up a payment plan so that you can afford the monthly payments. It’s also important to continue making all of your other debt payments on time while you’re dealing with medical bills so that you don’t damage your credit any further.


Most credit scores are updated on a monthly basis, but some may update more or less frequently. It’s important to check your credit score regularly to make sure that it reflects your current financial situation.

There are a few things that can cause your credit score to change:

-Your payment history: if you miss a payment or make a late payment, your score will go down.
-Your credit utilization: if you max out your credit cards or your balances start to approach your credit limits, your score will go down.
-Your mix of credit types: if you have a lot of different types of debt (e.g., student loans, auto loans, credit cards), your score will go up.
-Your length of credit history: the longer you’ve been using credit, the better your score will be.

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