How long does it take for changes in my credit report to be reflected in my score?

The time it takes for changes to your credit report to impact your score can vary depending on the change. Here are some general guidelines:

• New accounts - Can take up to 30 days to appear on your report and affect your score.
• Late payments - Typically impact your score once reported, which can take up to 30-60 days.
• Paying down balances - Should update your score within 30 days as lower balances get reported.
• Dispute resolutions - May take 30-45 days as disputes work through the system.
• Inquiries - Hard inquiries from new applications impact scores quickly but wear off over 6-12 months.

Most credit report changes can take 30-60 days to be reflected in your updated score, but some things impact faster while others take longer to fade away. We update your score each month to stay current.