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Why hasn't my score changed?

SOLVEDBy Credit KarmaUpdated 1 week ago

On Intuit Credit Karma, you can see your Vantage 3.0 credit scores and reports from TransUnion and Equifax. Your TransUnion credit report is checked daily and updated when new information is reported to TransUnion by your lenders or creditors. Your Equifax credit report is checked as often as every 7 days, with a limited number of members getting daily Equifax score checks at this time.

Depending on several factors, such as your credit activity and what lenders report to the credit bureaus, you may see a score change and updates at different frequencies.

I made a payment, why am I not seeing it on Credit Karma?

Usually, lenders report new balances, payment activity, credit limit changes and other updates to the credit bureaus every 30 days, but different lenders may update at different frequencies. If you have multiple lenders, they might report at different times of the month. As a result, sometimes it can take a few weeks to see a change to your credit.

If you’ve recently made a change, like opening or closing a line of credit, or paying down a credit card balance, your lender(s) may not have reported this information to the credit bureaus yet.

You can check when the individual accounts were last reported with the bureau through Credit Karma. 

On desktop or mobile web:

  1. Navigate to the Accounts tab at the top of the screen
  2. Select the credit bureau (either TransUnion or Equifax) you want to view
  3. Select the account you would like to view 
  4. The Last reported date will appear underneath the name of the account selected

On the iOS/Android app:

  1. Navigate to the Credit icon at the bottom of the screen
  2. Select the credit bureau (either TransUnion or Equifax) you want to view 
  3. Select Details next to the Accounts header to see credit accounts reported by the selected credit bureau
  4. The Last reported date will appear underneath the name of the account selected

I worked on my credit, resulting in a positive change to my credit factors, why am I not seeing my score increase? 

Credit takes time to grow. Some key factors in your scores, like on-time payments and age of credit history, can take several months or even years to establish. Good habits, such as making payments on-time and using less of your available credit, among others, can help you improve your credit health over time.

See more on this: Can I raise my credit score fast?

I didn’t make any changes to my credit, why did my credit score change? 

Even if you don’t make any major changes to your credit activity, your credit scores can change depending on things such as your existing accounts age, you make on-time payments, or pay off debt.

Why is there information on one credit bureau, but not the other? 

While it’s common for financial institutions to report to all three major consumer credit bureaus, they aren’t required to do so. Some financial institutions only report to one or two credit bureaus, while others may not report at all. We recommend you ask your specific financial institutions lenders which credit bureaus they report to and how often. 

Keep in mind that Credit Karma checks for updates to your TransUnion and Equifax scores and reports at different frequencies. If you’re expecting a change to your Equifax score or report but it hasn't been updated yet, it may be worth waiting for the weekly Equifax check before contacting lenders or credit bureaus.

Click here to learn more about credit scores and how you can use Credit Karma as a tool to better understand your credit health.

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