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How fast does my credit score change?

Your score can change whenever your credit report changes. But your score probably won’t change a lot from one month to the next. In a given three-month time period, only about one in four people has a 20-point change in their credit score. While a bankruptcy or late payments can lower your score fast, improving your score takes time. That’s why it’s a good idea to check your score 6–12 months before applying for a big loan, so you have time to take action if needed. If you are actively working to improve your score, you’d want to check it quarterly or even monthly to review changes.

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