 TITLE: How Often Is My Credit Score Updated? CONTENT: Your Score Can Change When Your Credit Report Is Updated\n--------------------------------------------------------\nCredit scores are calculated by performing complex statistical analysis on data compiled in your credit reports at the national credit bureaus—Experian, TransUnion and Equifax. The bureaus update your credit reports to reflect new information about your credit usage, including:\n*   Payments you've made (and whether they were made on time)\n*   Changes in your credit card balances\n*   Your total outstanding debt\n*   New credit applications you've made or new loan or credit accounts you've opened\n*   If you use Experian Boost™† , your credit scores based on Experian data can also reflect your utility and cellphone payments.\nThe credit bureaus receive information about your activity in reports from the credit card issuers, lenders and potentially other companies with whom you have financial relationships. END