Liana Mei asked:


i’ve been paying a monthly service for a while now, monitoring service, and my credit report still says last info given was in august or sept. I want to know how my credit behavior has affected my score…how can I get the updated version from identity guard, or is there even an updated version available yet?
I have several cards that I have used and paid off on a monthly basis…i want to get my credit back up to the pre-inquiry score. My reports don’t have anything listed for after august…not even a “no data” box. I thought perhaps they reported to the bureaus after a few months.
and i know this bank reports to the bureaus because my report goes from 2005 to august for the first card I opened with this bank.

FREEMAN

2 Responses to “how often are credit reports updates?”

1. Adam A on September 25th, 2009 7:41 pm

   Almost all revolving lines (credit cards), installment loans (car notes, etc), and mortgages report on a monthly basis.

   If you dont have ANY open lines of credit, it may not have been updated, but that is highly unlikely.

   Good luck.

2. Liz on September 28th, 2009 11:01 pm

   Most creditors who are paid monthly will update monthly. If they are not, there isn’t much you can do about it. Somtimes if they don’t update, it will read “no data” for that month. But that doesn’t hurt your credit.

   In order to know how your behavior affects your credit score, I would need to know what that behavior is.

   But here are the most important things:
   Pay all your bills on time.
   Keep your credit cards at or lower than 60% of your credit limit.
   Don’t have collection accounts, civil judgements, or tax liens.
   Keep your credit cards for more than a year.
   Don’t have too much open revolving debt.

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