How often does my credit report update in CreditRefresh?
Your credit report refreshes at most once every 30 days through a soft pull with your monitoring provider, and soft pulls never affect your score. If your newest report is already less than 30 days old, refreshing reuses that report and confirms it is already current instead of pulling a new one. The dispute flow always shows the date of the report it is working from. If a report seems stuck well past 30 days, see the separate troubleshooting article for that.
How the refresh works
CreditRefresh pulls your credit report through a regulated credit-data provider, and every pull is a soft pull, meaning it never affects your score. What is limited is how often a genuinely new report is fetched: at most once every 30 days.
A soft pull is the type of check used here, both for monitoring and for pulling in a report to prepare disputes. It gets recorded on your file, but it is not the kind of check a lender sees when deciding whether to approve you for new credit, and it never lowers your score. That is different from a hard pull, which happens when you formally apply for credit. See Soft pull vs hard pull for more on that difference.
What happens if you refresh early
If your newest report is already under 30 days old, tapping Refresh does not fail. It reuses your current report and confirms it is already current. You are not missing a refresh; you already have the most recent one available under the 30-day cycle. The Score & history page's "Last updated" and "Last synced" labels show the date of that current report.
Why the dispute flow shows a report date
When you are reviewing items to dispute, the wizard shows the date of the report it is working from. That date lets you confirm you are disputing from current data, whether that report was just pulled or reused because it was still within its 30-day window.
The Score & history page adds a new row to its History table only when a fresh report actually syncs. So refreshing before your 30-day window closes generally will not add a new row either, since there is no new report yet to log. Once 30 days have passed and a new report comes in, a new score and a new History row show up together.
If your report is stuck
A report date that stays stuck well past 30 days without updating is different from normal reuse and is worth troubleshooting rather than waiting out. See Why won't my report refresh for common causes and fixes.
Related articles
Report refreshes fail for a short list of reasons: a credit freeze added after you connected, personal details that no longer match the bureau's file (usually after a move), a lapsed subscription payment, or a temporary bureau outage. Refreshes are soft pulls, so your score is never the issue. Most cases come down to thawing a freeze, updating your details, or fixing billing.
A soft pull is a credit check that doesn't affect your score and isn't visible to other lenders — covering things like checking your own credit, pre-approval offers, and the pulls CreditRefresh runs on your reports. A hard pull is a credit check tied to a credit application that does affect your score, usually by a small amount, and stays visible to lenders for two years.
At minimum, once a year per bureau — and right now you can pull free reports weekly from all three bureaus at annualcreditreport.com. Annual review catches errors before they hit major applications. Step up to monthly during active dispute work, and every two weeks after identity theft. CreditRefresh also pulls automatically.
A credit freeze stops anyone — including CreditRefresh — from pulling your report. If your scan fails or your bureau connection won't complete, a freeze or lock is the most common cause. You'll need to temporarily thaw (lift) the freeze at the affected bureau, run your scan, then re-freeze. Each bureau is frozen separately, so you may need to lift all three.