How often does my credit report update in CreditRefresh?
CreditRefresh does not fetch a fresh report on an unconditional 30-day timer. Opening Home can start a results check when one is due, and Refresh can reuse recent report data.
CreditRefresh does not fetch a fresh report on an unconditional 30-day timer. Opening Home can start a results check when one is due, and Refresh can reuse recent report data. The Credit reports page describes updates about once a week, subject to account eligibility and provider availability. A new analysis or browser reload does not guarantee a new bureau pull. Ask support to check the actual pull result if a report or bureau remains missing.
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Check the report date and the screen where the failure occurs. Refresh may reuse a recent report, while Analysis & Findings works on stored data and is a separate step.
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.
Review the report date when comparing credit information. In CreditRefresh, opening Home can start a results check when one is due, and Refresh may reuse recent reports instead of obtaining a new report immediately.
A failed scan does not establish that your credit freeze caused the problem. Federal freeze rules except a consumer's own report and a monitoring service the consumer subscribed to.