How Often are Credit Scores Updated?

When you improve the credit scores on your credit reports, one of the most questionable thinking is how often these credit scores are updated. The obvious reason to know the update time or frequency of the credit scores is to keep track. Once you know that you are on the right track, you can keep working in the same direction to improve your credit scores.

Also, there is no common method of improving credit scores that may work for all. But when you are trying one of the credit repair strategies, you need to keep track of your credit scores. This helps you know if the strategies are actually helping you improve your credit scores or create a negative impact.

Also read: Space Shuttle Strategy | The Ultimate Credit Repair Guide

How Often Are Credit Scores Updated?

Let me get it straight to you, your credit scores or FICO scores are updated depending on the entries and the validation time.

Now, let me break this into a simpler explanation,

When you do a loan transaction, clear off payments, or get negative items removed, there is a certain period that the bank manager or creditor takes to make this entry. This depends upon the creditor on how much time they take to remove the negative item though you have paid them. You can file a dispute with the credit repair bureaus with sufficient evidence stating you have a negative entry in such a case. In this case, the credit bureaus will validate it and get the negative item removed.

The second stage of the credit score updating process is the validation time or frequency. The credit repair bureaus cannot instantly approve the removal of negative items. They need to take a certain time, around 30 days, to validate the negative items, confirm them with the creditor, verify the evidence, and update the scores.

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How to Keep Track of Your Updated FICO Scores?

FICO scores are no different from credit scores and are only a metric for understanding credit reports.

But the best part? They are easy to understand and give you a clear picture of your credit reports. These scores range from 300 to 850 score points, and the higher score you get, there are better the chances of your loan and mortgage approvals.

Here is the FICO Score Range –

FICO RangeMeaning
740-799Very Good
300-579Very Poor

Now that we have the FICO score range, you can keep an updated track of your credit reports.

myFICO is a service that helps you keep track of your credit FICO scores with 24×7 Credit monitoring. This means you get access to your updated credit scores and reports at any time of the day.

Besides, Credit reports are updated quarterly with myFICO, but you can still have 24×7 credit monitoring. This is a great way of keeping track of the entries and scores on your credit reports.

Also read: Credit Saint Review | The Best Credit Repair Company?

How often do Creditors Report the Updated Credit Scores to Credit Bureaus?

Credit reporting depends on your lending activities and how frequently or timely the creditors report the credit activities. Usually, the creditors update the credit lending activities at the end of each month, but that’s not the only idle time.

When you have a lot of credit or loan activity, you can instantly see changes in your credit scores. However, if there is little to no change, there is no way the credit scores are instantly updated.

the space shuttle strategy

The Space Shuttle Strategy

The Space Shuttle Strategy is a two-step process; Reduce Weight (Remove Anomalies from Credit Reports) and Give a Boost (Improve Credit Scores Faster + Best Practices).

It is an exhaustive guide for those who badly want to fix their credit scores on their own.

What to do if Credit Scores are Not Changed?

Suppose you have cleared all the pending dues and still find that credit scores are updated after weeks. Your creditor has probably not updated the status of the credit bureaus. In such a case, you can file a dispute by writing a Dispute Letter.

A dispute letter is a letter that you send to the creditors, bureaus, collectors, and other credit departments to get the negative entries removed from your credit report.

There is no perfect way or format to write a dispute letter, and it is only the information that has to be conveyed. So, all you need to do is write a dispute letter with accurate information and convey it with evidence. But how do you write a perfect dispute letter that actually works?

A perfect dispute letter is short, should contain all the evidence/proof, and have accurate information. Additionally, you also need to attach a certain social identity to make the dispute letter valid.

Quick Format of a Dispute Letter

  • Affective date
  • Name of the Company / Creditor
  • Address of the creditor
  • Personal information (Name, Account Number, Address)
  • Opening salutation
  • Subject
  • Description of Error in brief (better if listed)
  • Any reasonable and valid points that support your statement.
  • Supporting documents attached
  • Asking creditor to remove the negative entries as per fair debt collection practice.
  • Closing salutation

If writing a dispute letter is not your cup of tea, and you want to send a dispute letter that works, we suggest you use “DisputeBee” software.

DisputeBee is best for the following –

  • Write automated dispute letters in minutes.
  • Best for those who want to create several dispute letters.
  • Merge all the dispute letters to a single creditor in one click.
  • Start a credit repair business.

9 Actionable Tips to Improve Your Credit Scores

improve your credit score

As per The Space Shuttle Strategy, there are 9 actionable tips to improve your credit scores.

  1. Know your Credit Situation
  2. Dispute Error on Your Credit Reports
  3. Pay Smaller Debts First
  4. Paying on Time is the Ultimate Factor
  5. Set the Right Credit Limit
  6. Credit Builder Loan
  7. Add an Authorised User to your Credit
  8. Maintaining a Long Credit History
  9. Have an Emergency Fund

The Space Shuttle Strategy is the best-curated credit repair guide for those who are serious about building credit scores on their own. It includes the step-by-step process in detail that help you fix credit scores without assistance from credit repair companies.

Should You Hire a Credit Repair Agency?

If you wish not to spend your time building your credit scores using the Space Shuttle Strategy, you can opt for a credit repair agency. A credit repair agency does not guarantee your credit scores to be fixed, but they can give you a shot with the help of experts. Besides, some of credit repair companies have lesser pricing models that can fit your budget.

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The Credit Saint

Ranked #1 in tackling inaccurate credit entries, Credit Saint is appreciated by almost every other consumer company. It has better plans and a simple process. The best part? You get a 90-day money-back guarantee.

There are pricing models designed as per the need of consumers and well suit their interests. This credit repair company also back #1 position in BBB credit rating and consumer affairs.

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The Credit People

The Credit People has helped thousands of people to fix their credit reports. By far, it is one of the cheap and least expensive services with better results and dedicated professionals.

The perks of using The Credit People include free credit scores and credit reports when you opt for their services. These affordable credit restoration services can boost your credit score with an average of 53-187 credit points. 

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The Credit Fix Guy

The Credit Fix Guy

Disputes are ready in as quick as 72 hours, The Credit Fix guy is our ready-to-go credit repair company. It has a simple fee structure, and there is no SSN required to get started. A few of the perks include free ebooks even though you have not applied for the credit fix program.

The Credit Fix Guy uses a simple three-step process known for affordability, convenience, and safety. You can find dozens of video reviews from their successful clients.

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the credit firm

Credit Firm

Serving in key financial areas ever since 1997, The Credit Firm has proven to be one of the best. With the support of professional attorneys, credit repair experts, financial guides, and dozens of other core members on the team, it has proven to be actionable in and around 50 states of America. 

Credit Firm has a straightforward process to fix the credit scores, making it one of the best. This service is best for those who are looking for better jobs and faster credit and loan approvals.

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Frequently Asked Questions

How long does it take for a credit score to update after paying off debt?

It can take anywhere between 5 weeks to 12 weeks for the credit changes to reflect your credit score. It depends on the loan activities, timely information by lenders, and validation by credit bureaus.

What is FICO Credit Score?

A FICO score is a type of credit score that lenders use to determine an individual’s credit history. Creditors assign or use certain types of credit scores to determine credit history. Besides, there are other types of credit scores, such as the Vantage Score.

What is The Space Shuttle Strategy?

The Space Shuttle Strategy is a well-prepared exhaustive guide for those who want to fix their credit scores on their own. It is a two-step process; Reduce Weight (Remove Anomalies from Credit Reports) and Give a Boost (Improve Credit Scores Faster + Best Practices).

You may also want to read:

Conclusion | How Often Are Credit Scores Updated

We hope to have answered your question on how often are the credit scores updated. The credit score update time or frequency depends upon the lending activities, information from creditors, and validation by credit bureaus. If you need to keep track of FICO scores (as most lenders and credit agencies use FICO for checking credit status), you can use myFICO. It offers a 24×7 credit monitoring system with quarterly updating of credit reports. Besides, it costs only $29.99/Mo, which is a good investment to keep track of your credit reports.

If you want to fix credit scores on your own, you need to eye on Space Shuttle Strategy; it is an exhaustive guide curated for you by referring to experts on the web. Get your credit score fixed fast and quickly, and if you want to invest in a credit repair company, Credit Saint is one of the good options.


Hi, this is Ashutosh - I am the creator of the "Space Shuttle Strategy" and most credit repair guides on this website. I love talking about finance, credit repair, and business tools, and I share my ideas through guided and helpful articles which can help you make a difference. Some people also call me Jr. Nikola Tesla, as I love creating new ideas and bringing change, and my ideas do stick.

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If there is anything I can help you with, you can get in touch with me through my LinkedIn or Twitter handle.