Reporting cycle
Credit scores & reportsThe schedule a lender uses to send account updates to credit agencies.
Overview
Most lenders report monthly, but timing can vary by provider.
Your score may change when new data is reported.
Why it matters
- It affects when changes appear on your report.
- It explains why updates can take time.
- It helps you time applications or disputes.
FAQs
Do all lenders report on the same day?
No. Each lender has its own reporting schedule.
Can I speed up reporting?
Usually no. Reporting timing is controlled by the lender.
Related terms
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