Credit History

How Often Does My Credit Score Change?

A credit score is the numerical equivalent of a consumer as a boon or risk. The higher the score, the better the rating; the lower the score, the worst off a consumer is.  Credit score change reflects the financial situation or at least the past financial actions of a consumer. Below is a detailed discussion of the same

Reporting Entities

Most reporting entities like creditors file a report to credit bureaus once every month. Of course, some creditors make reports more often than others, and some are more thorough. This means that most consumers have a 1 month window for any substantial change to occur on their credit score. Tip: If you are about to default on a payment, contact your creditor immediately. Ask for an extension. Ask that the same not be included in the report. There is no harm in asking.

Credit Bureaus

Credit HistoryCredit bureaus have a main database. Once an inquiry is made, they collate the information in a report form, and send it to the inquiring entity. Theoretically speaking, this means a credit report is up to date the very minute the request is processed. But bear in mind that they can only input information they have on the consumer or are reported by interested entities.

Regular Movement

Consumers will find a major credit score change every 3 to 4 months. That is why most experts will tell you to pull out a new report if your current one is at least 3 months old. And this also means that it is a good idea to pull out your reports once every 3 months. Hence, the once a year free credit report really does not cut it.

Credit Inquires

As mentioned earlier, a credit report is printed as soon as an inquiry is made. In most cases, the same inquiry will be evident in the report that has just been printed. Therefore, you could say that credit report changes once every inquiry.


Any intervention of the court that involves finances such as bankruptcy, alimony, child support, wage garnishment, etc. gets reported as soon as the same becomes part of the public records. In some cases though, the fact that a court assisted procedure has been availed of becomes evident in a report, i.e. bankruptcy filing but prior to discharge.

Credit Repair

Most consumers have a tendency to ask the question “When will my credit score change or how often does it change, because they have tried to repair their score. The answer to this is 30 to 60 days. Sometimes it can take as much as 90 days.

Emergency Credit Repair Services

Contact the reporting entity first before you call the credit bureau. Ask the former to have any inaccurate, obsolete, or false information removed, or at least ask for a signed letter regarding the mistake. Then go for emergency credit repair. At best, you may be able to add a few points within 3 days to 1 week.

Consumer Based Movement

Realistically speaking any movement, minimal or extensive, depends on the consumer. If the same defaults, suffers a foreclosure, files for bankruptcy, is made to pay alimony, etc., then there will be a corresponding report, and update. Bottom line is, if you do not want your report to change for the worse, then don’t default.