How Often Does Your Credit Score Update?

When you reach adulthood, every transaction and purchase that you make will be recorded in your credit report. What you purchase, where you buy it from, and any loans or credit cards that you use will be recorded in your credit report.

From this a credit score will be calculated which essentially demonstrates your credit worthiness. 

Credit score updates usually happen on a monthly basis.

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When you are young, your credit score might be something that you pay no attention to.

But every time you apply for any sort of credit, whether that be a monthly finance agreement for a car, a mortgage, or a new loan/credit card, your credit score will be taken into account.

So it is very important to monitor your credit score and keep it healthy. 

If you are working on improving your credit score, then you probably want to know how often it updates. Keep on reading to find out in this guide! 

What Is A Credit Score?

First things first, let’s take a quick look at what a credit score is. Well, as we have just established, a credit score is essentially a number that demonstrates your financial past in terms of credit.

Every time that you use your credit card, take out a loan, or fail to make a repayment, this will be reflected in your credit report and it will impact your credit score. 

There are a number of different credit bureaus that offer free credit reports to users.

No matter whether you check your credit report, or not, you will still have a credit report, and it is something that lenders will check whenever you apply for any form of credit (including mortgages, loans, and credit cards). 

Credit scores are generally split into categories. For example, Experian is one of the world’s leading credit bureaus, and they provide a score between 0 and 999.

These numbers are split into 5 categories: very poor, poor, fair, good, and excellent. To put this into perspective, an “excellent” credit score is anything between 881 and 999, and it is a great achievement to get into this category. 

In order to provide accurate representation of your credit behavior, your credit score is constantly changing.

While new transactions will be continually added to your report, your actual score will only be updated periodically. So, let’s take a look at how often your credit score is updated. 

How Often Does Your Credit Score Update?

While you may be completing credit transactions every single day, your credit score will not update every single day. In fact, it can take quite a while for your credit score to reflect any changes in your credit history.

This is because your credit score will typically only be updated once every 30-45 days depending on the credit bureau. 

A lot of credit reporting agencies update your credit score once a month. On the same date every month, your credit score will be updated to reflect your credit behavior, however this doesn’t mean your credit score will change every month. 

While your credit score will be updated every month, there is a good chance that your credit score will not change.

Your credit score will only typically change drastically if you make any big credit decisions, such as taking out a mortgage, paying off a debt or closing a credit card.

Otherwise, you may only notice a change by a couple of points, or no change at all, each month. 

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How Quickly Do Changes Register On Your Credit Score?

While your credit score will update roughly every 30-45 days, the transactions for the previous month will not always be reflected in your credit score.

For some transactions, it might take longer than 30-45 days for them to be recorded on your credit report, meaning that your credit score isn’t always entirely accurate

For example, sometimes it can take more than 60 days for some changes to be recorded on your credit report. If this happened, then it could take 2 months for some transactions to be reflected in your credit report.

So, if you take out a mortgage in February (a 28-day month), that mortgage might not be reflected in your credit report until April as the 60 days would cover both February and March. 

While a lot of transactions will be instantly reflected in your credit score, with some transactions it might take a little while for them to be reflected in your report.

So don’t be alarmed if things such as additional credit cards, mortgages, or loans are not reflected immediately in your credit report.

How Can I Quickly Raise My Credit Score?

Often, people will pay little attention to their credit score until they suddenly need it.

For example, lots of people are unaware of the impact of credit score on the ability to get a mortgage, so they save house deposits, and often don’t think about their credit score until the last minute.

This is why a lot of people find themselves trying to quickly raise their credit score

The best way to improve your credit score is to work steadily on it over an extended period of time. However, there are some ways that you can quickly raise your credit score.

They include strategically paying credit card balances off, applying for higher credit limits (to increase your available credit), and becoming an authorized user on other people’s credit cards.

However, raising your credit card quickly isn’t always the easiest task, which is why we would recommend constantly working toward improving your credit score.

Little things such as paying your bills on time, and never falling behind on payments will really improve your credit score. 


In short, your credit score will update once every 30-45 days, depending on your credit score provider.

Most credit bureaus update credit scores once every 30 days so that users can check their credit score once every month for updates. However, it can sometimes take up to 60 days for updates to register on your credit report. 

Thanks for reading!

Andre Flowers
Andre Flowers

Hello, my name is Andre Flowers and I have been a Licensed Real Estate Professional for over 24 years. I also carry several certifications, including: Certified Distressed Property Expert, Certified Global Business Professional, Certified Credit Repair Specialist.

As a current Mortgage Underwriter with 15 years of experience, I have seen my fair share of money-related issues. Whether that be high levels of debt, not enough credit, or simply a lack of funds - I’ve had clients who fit into these categories.

Here I will share tips, tricks, and experiences on how you can get yourself back in control of your finances.

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