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How Often Does Your Credit Score Change?

Dear Experian,

Why doesn’t my credit score update or change? The last date on my credit score says September 2014. I have been working hard since then to bring everything up-to-date and it is not reflecting in my score.

– ZDK

Dear ZDK,

The information in your credit report is constantly being updated, and as your credit information changes, your credit score will change, too. However, Experian does not maintain an ongoing record of credit scores.

It sounds like you are logging in to a service of some kind and viewing an old score and possibly on old credit report online. If you have not ordered a new credit report and score since September of 2014, then you may still see the same score from that date each time you log in.

Checking to See if Your Credit Score Changed

You can request a credit score and credit report from Experian. You should see a change in the new score along with current information in your Experian credit report. You also will receive a list of the factors from your credit report most affecting the score.

Keep in mind that there are many different scores, and that different scoring systems have different criteria and different numerical ranges. Because of that, your score may vary substantially from one system to another.

While the numbers can vary considerably, the risk factors tend to be very consistent from one score to another. By paying attention to the factors that are affecting your score you will be able to gain a solid understanding of how to improve your overall creditworthiness, and improve all of your credit scores.

Thanks for asking.
The “Ask Experian” team

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