Updating credit score


A recent credit score report from Trans Union states that I "have no real estate accounts that can be used in determining a credit score." Yet I do have a mortgage in good standing with a credit union that does not show up on my credit report.

Every billing cycle, typically every 30 to 45 days, your lenders are supposed to report changes to your accounts to the credit reporting bureaus — Equifax, Experian and Trans Union.

Once that happens your credit reports will be updated with those changes and very soon after—practically instantly—your credit score gets recalculated, taking into consideration the updates on your credit report.

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