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How often do the three credit bureaus report changes to my credit?
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Last Updated
18th of February, 2010

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Your three credit scores will change as often as the information in your credit reports change. Because your files are continually updated with new information from your creditors, your credit score from a month ago is probably not the exact same score a lender would get from the credit bureaus today. Keep in mind that lenders typically report updated information to the bureaus every month on their own schedule.

Credit scores can shift due to any of the following types of credit information changes:
  • Payment history updates
  • The amount of time since the last late payment, collection account, or public record item
  • An added or removed credit account, collection account or public record item
  • An increase or decrease in credit card balances
  • A change in the length of time since your accounts were first opened
  • New credit inquiries
  • A change to the mix of different types of accounts

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