Credit scores typically update at least once a month. This update frequency is because lenders and other data reporters send information to the major credit bureaus (Experian, TransUnion, and Equifax) on their own monthly schedules. Each creditor reports at different times, so updates to your credit score can happen continually but generally at least monthly. In some cases, if there are multiple accounts reporting at different times, your credit score might update more frequently. However, your credit score is recalculated only when it is requested, based on the most recent credit report data available. To summarize:
- Credit reports are updated by lenders usually on a monthly basis.
- Credit scores update at least once a month, sometimes more if multiple accounts report independently.
- The actual score updates when it is requested and based on the latest data from credit reports.
- Different credit monitoring services might update your score at different intervals, ranging from weekly to monthly.
This means one can expect a credit score update typically every 30 days but possibly more often depending on individual reporting and request timing.
