File update
Credit scores & reportsA change to your credit report after new data is reported by a lender.
Overview
Updates can include new balances, payments, or account changes.
Your score may move after each update.
Why it matters
- It explains why scores change over time.
- It highlights the effect of recent behaviour.
- It helps you track progress.
FAQs
How often does my file update?
Most lenders report monthly, but timing varies.
Can I request an early update?
Usually not. Lenders control reporting schedules.
Related terms
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