Personal Finance

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How Do Credit Scores Work?

A credit score summarizes your history of borrowing and repaying. Learn what shapes it, why lenders care, and how scoring differs around the world.

September 24, 2026

Frequently asked questions

How often is my credit score updated?

Typically every 30 to 45 days, as lenders report account activity to the bureaus on monthly cycles. Do not expect your score to move the day after you pay a bill — the update arrives with the next reporting cycle.

Read more in: How Do Credit Scores Work?

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