File update date
Credit scores & reportsThe date your credit file was last updated by a lender.
Overview
It shows when the most recent data was received.
Updates often follow monthly reporting cycles.
Why it matters
- It helps you track when changes should appear.
- It explains delays in score updates.
- It provides context for recent activity.
FAQs
Why is my update date old?
Some lenders report less frequently or have delays.
Can I request an update?
Usually no, as reporting timing is set by lenders.
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