General Question

punkrockworld's avatar

How often does your credit score change?

Asked by punkrockworld (960points) July 5th, 2012

Is there a specific day of the month or every couple months?
I check my credit score through citi and they charge me money monthly.

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4 Answers

mowens's avatar

It is fluid. It is constantly changing, and it is based on the length your accounts are open, your last billing cycle, and your last late payment.

wundayatta's avatar

Do you pay a monthly fee to check your report any time, or do you pay each time you check?

I believe that if you check your report a lot, it counts against you and reduces your score. So you should check only when you really need to.

punkrockworld's avatar

Just a monthly fee, you can check it as often as you want. I do not believe that it gets reduced that way, only when other parties check.

DylanMueller's avatar

I was told that it only counts against you when you do a hard pull, which the credit score companines are not doing in order to gain access to your credit report and or score. Check as often as you’d like!

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