When do Credit Bureaus update CR & FICO Score?

Anonymous · ‎03-31-2010

Does anyone know when the credit bureaus update the information on your credit report? Is it every month or only when the creditors report a change in status / balance / late pays etc? Also how quickly are the updates seen by the consumer after the change is made on your report? TIA

Anonymous · ‎03-31-2010

The reports are updated once they receive an update from the creditor. As far as how long until the consumer sees the change, I dont know. I know from speaking with an Experian CSR, they deleted an item from my report and the next day I saw the change.

llecs · ‎03-31-2010

@Anonymous wrote:

Does anyone know when the credit bureaus update the information on your credit report? Is it every month or only when the creditors report a change in status / balance / late pays etc? Also how quickly are the updates seen by the consumer after the change is made on your report? TIA

Most creditors report once a month to change the balance, CL, etc. right around your statement date. Once the creditor updates with the CRA the change is immediate. Experian is usually the fastest.