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.
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 2016, then you may still see the same score from that date each time you log in.
Checking to See if Your Credit Score Changed
Keep in mind that there are many different credit scores, and each scoring system may have different criteria and different numerical ranges. Because of that, the credit score number you receive may vary substantially from one lender to another, depending on the model they choose.
Improving Your Credit Scores
While the credit score number itself can vary considerably, the risk factors tend to be very consistent from one score to another. The two most important things anyone can do to improve their credit scores are:
- Make all your payments on time
- Reduce your credit card balances
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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This service is completely free and can boost your credit score fast by using your own positive payment history. It can also help those with poor or limited credit situations. Other services such as credit repair may cost you up to thousands and only help remove inaccuracies from your credit report.