How often is a credit score updated, and how can one access their credit score?

Credit scores are typically updated on a monthly basis by the three major credit bureaus (Equifax, Experian, and TransUnion), but this can vary depending on the lender's reporting schedule. It's important to note that not all lenders report to all three credit bureaus, so your credit score may vary slightly depending on the bureau's data.

You can access your credit score for free once a year from each of the three credit bureaus through AnnualCreditReport.com. However, this report does not include your credit score. Many credit card companies and financial institutions also offer free access to your credit score, often through online portals or mobile apps. Additionally, you can purchase your credit score directly from the credit bureaus or through thirdparty credit monitoring services.