June 7th, 2012

Why Didn’t My Credit Score Change?

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credit score change

Credit Karma members sometimes wonder why it’s been a while since their credit score has changed. First of all, please know that it can sometimes take a significant shift in your credit profile for your score to change. While making on-time payments is a great way to build positive credit history, it can take a while before it will reflect positively on your credit score. If your on-time payment history is already pristine, continuing to make on-time payments will ensure that it stays that way, but it won’t further improve your credit health.

Even if something has changed in your credit history, another action you’ve recently taken could have counteracted the effect, causing your score to stay the same. Remember that there are various factors that influence your credit score.

When Will My Score Change?

Technically, a credit score can change at any point in time. Your credit score is calculated from dozens of different factors in your credit report. A change in your financial habits can result in a change in your credit score.

For instance, if you apply for an auto loan right now, the hard inquiry from your application will instantly show up on your credit report. Your score will reflect the subsequent change, and you should receive a credit alert email (if you’ve opted into Credit Karma’s free credit monitoring service).

Aside from instant inquiries like the above example, credit scores also change whenever a credit report is updated with new balances, loans or derogatory information from creditors. The frequency of these updates can vary by the credit bureau and the lender. In most cases, your creditor will report items like new credit line balances, payment activity, credit limit changes or late payment information every 30 days.

Bottom Line: Don’t expect your credit score to change every time you click the “Update Score Now” button. If it doesn’t change, it could be an indication of financial stability. If you’re consistent with your finances and credit, your credit score shouldn’t be constantly changing.

Find out How to Get a Better Credit Score.

Have more questions? Check out our Credit Advice Center.

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. An important factor in understanding your credit score is to know “Positive credit or lack of positive credit has as much or more impact on your credit score than negative credit”. Now that point deduction technology is finally available to consumers today, it will be much easier to determine the necessary steps to increase and maintain your maximized credit score.
    Point Deduction Technology is a software program designed to analyze your credit data. Credit scores range from 350 to 850 leaving the possibility of capturing up to 500 points.

    The software recognizes many factors used in credit scoring and assigns a point deduction number per item on a credit report. The assigned numbers will range from 0 to 100+ depending on the type of accounts reported.

    The analysis separates the short term and long term point deductions, posting recommendations to recover the necessary points to increase a credit score.
    ScoreNavigator analyzes a borrower’s total credit picture based on the data reported by the bureaus. The combination of a borrower’s total credit picture as well as each individual item are factors in determining the score impact of each individual item on a report. ScoreNavigator determines with 92% accuracy the point impact of each trade line on a credit report, whether positive or negative.

    Rusty Bresse at 7:06 am on July 10, 2012
  2. My credit score went down 9 points, and nothing has changed except my trying to get my score up. It seems like I’m getting no where with trying to improve my score. Why is it going down???

    Barry Clayton at 12:37 pm on July 29, 2012
  3. I know it can be frustrating, but it all depends on where your score started and what actions you are taking with your finances. But don’t worry. Typically a 9-point fluctuation isn’t a big deal, and your score could improve again in the next billing cycle.

    bethy at 9:44 am on July 30, 2012
  4. Credit karma does not read student loans correctly that are consolidated. Thus it does not work correctly. And their tech support can’t solve their problem with software.

    To bad.

    Dan at 1:25 pm on December 13, 2012
  5. Interesting that I have all “A” in every category but a Report Card Overall grade of “C”……customer service wasn’t able to clarify…..

    David at 9:21 am on May 31, 2013
  6. Jenna

    Hi David, the overall grade isn’t an average of all of the individual grades. It’s your grade in comparison to the scores of other Credit Karma members.

    Jenna at 9:44 am on May 31, 2013
  7. My credit score is frozen and every time, I try to update my credit score, it says it’s unable to update my credit score. It’s been frozen since May 2013 and I can’t update my credit score. If I unlink my account, it says I can’t log in to creditkarma for the next two years. What Shall I do?

    Deepak at 12:00 pm on January 13, 2014
  8. Mike

    Hi Deepak – Thanks for the question. Please email Member Support directly at support@creditkarma.com and we’ll be happy to help you out with your problem. Thanks!

    Mike at 9:56 am on January 14, 2014
  9. Thanks for the prompt response Mike. I’ve sent an email to the support team. Hope you guys fix it soon

    Deepak at 4:21 pm on January 15, 2014
  10. Deepak, I can relate similarly with you. My credit score does update but has been exactly the same since November of 2013. Given my history over this time, I find it not feasibly explainable for this to happen. A great payment and usage history I have had over all this time. For it not to raise even one single point is nonsense to me. I had been wondering and am leaning now to believe, that there must be some type of unfair formula used to suppress the raising of peoples credit score.

    John at 6:35 am on July 7, 2014
  11. Mike

    Hi John – Thanks for your feedback. It’s important to keep in mind that if you’re consistent with your finances your score won’t necessarily be changing constantly. I’d recommend checking out this article for further information: http://blog.creditkarma.com/credit-karma/why-didnt-my-credit-score-change/

    If you’d like to have a more specific discussion about the particulars of your situation, I’d recommend contacting our support team. You can reach them using this page: https://www.creditkarma.com/about/help


    Mike at 9:10 am on July 7, 2014
  12. I just paid off all my debts after my divorce, when will my credit go up. This is worse than a criminal record that stays in your record forever therefore, your life is ruined. Who can you contact so you can talk to. I need to rent places and buy a car and I keep getting rejected.

    Mohammad at 9:41 pm on September 10, 2014
  13. Mike

    Hey Mohammad – Unfortunately, we can’t pinpoint a moment when your score will rise or predict any future change. I’d recommend this article for further information: https://www.creditkarma.com/article/how-often-should-my-score-change

    I can also recommend visiting our advice center, where there are likely a number of other Credit Karma members who have been in similar situations. You can check that out here: https://www.creditkarma.com/all/advice


    Mike at 8:44 am on September 11, 2014
  14. My credit score stayed the same, it said it was updated August 29 and now October 5, I don’t know why it’s not updating to today date?

    Travis Wilson at 8:22 am on October 5, 2014
  15. Mike

    Hi Travis – Thanks for your question. I’d recommend you get in touch with our member support team so they can investigate your problem a bit further. You can reach them here: https://www.creditkarma.com/about/contact


    Mike at 9:12 am on October 6, 2014
  16. I had a student forgiveness pay my loans but it still shows on credit karma, and I’m wondering how long will it take to take it off, or if it will ever!!

    Crystal at 3:18 pm on November 19, 2014
  17. Mike

    Hi Crystal – Thanks for your comment. If you believe your student loans are incorrectly showing on your Credit Karma account, you can file a dispute with the credit bureau directly. Check out this article for more information on credit report disputes: https://www.creditkarma.com/article/dispute-credit-report-errors

    Mike at 9:00 am on November 20, 2014
  18. I have registered. I have not received a Credit Score yet. I have received two credit reports, each without a score.
    When I registered the web site was in a loop and that was confusing.
    I want to be able to see my score on my computer.

    Bruce Slater at 1:40 pm on December 8, 2014
  19. Mike

    Hi Bruce – Sorry to hear you’ve had some difficulty. If you need assistance, our member support team would be glad to help out. You can reach them here: https://www.creditkarma.com/about/contact


    Mike at 5:27 pm on December 8, 2014
  20. My score dropped down 37 points in a month but I can not figure out the cause on this updated app. Any idea where to go for detail?

    Brittney at 2:06 pm on May 10, 2015
  21. Mike

    Sorry to hear about that, Brittney! I’d recommend checking out your credit factors to look for recent changes there. Find them here: https://www.creditkarma.com/myfinances/scores/

    Mike at 11:16 am on May 12, 2015
  22. I just paid off 2 of my 3 collections due to the fact that one of them had arleady been closed, how long before it shows up on my credit report?

    Cynthia at 3:15 pm on May 29, 2015
  23. Enola Guerrero

    Hi Cynthia – Depending on the credit bureau and the lender, it may take up to 30 days or more for it to reflect on your Credit Karma account. Thanks!

    Enola Guerrero at 10:11 am on June 2, 2015
  24. Why has not my scorse change i had things removed off trasunion they said it would be removed but i steel see it and my score has not change why is this

    RONALD Chance at 3:48 pm on June 8, 2015
  25. Enola Guerrero

    Hi Ronald – It typically takes up to 30 days for the lender to update the credit bureaus. Please allow some time for these changes to take affect on your account. If it has been more than 30 days, please contact the bureaus directly. Thank you!

    Enola Guerrero at 9:13 am on June 9, 2015
  26. what is the best way to improve credit score to buy a house. My credit shows fair

    David Lopez at 5:49 pm on August 31, 2015
  27. Enola Guerrero

    Hi David – I suggest asking your credit concerns in our advice center here: https://www.creditkarma.com/all/advice


    Enola Guerrero at 6:00 pm on September 1, 2015
  28. Nothing has changed on my credit report and I also been working on it. It jus significantly dropped 52. What in the world could be going on. I’m trying to improve it and it is worse.

    M.solo at 4:56 pm on September 20, 2015
  29. Enola Guerrero

    Hi M. Solo – Since we are not a credit bureau, we do not know the cause of your score changing. I suggest reading our article on score drops here: https://www.creditkarma.com/article/MyScoreDroppedWhy


    Enola Guerrero at 12:54 pm on September 22, 2015
  30. I have had enough of Credit Karma. I come to one conclusion and that is it is registered to try and brainwash clients into signing up for credit cards to try and get a better score.
    Admit it Credit Karma,
    Because I’ve dealing with you for three now and I pay all my bills by cash. I have nothing to credit on, but yet I still get
    a fair credit or have gotten a poor credit score. So I’m opting out of you for good.

    Karl Crosby at 1:16 pm on September 30, 2015
  31. Enola Guerrero

    Hi Karl – Credit Karma does not brain wash clients nor scam them. We simply put the information from your report and scores from the credit bureaus out on our site for you to see for free. Updates can take up to 30 days or more depending on the credit bureau and lender when you make payments or changes to your accounts.


    Enola Guerrero at 12:15 pm on October 2, 2015
  32. I can understand the score goes down but mines when down 17 and 18 and I cannot understand why that’s to much points for no reason

    Elizabeth at 1:07 pm on October 5, 2015
  33. Enola Guerrero

    Hi Elizabeth – Since we are not a credit bureau, we do not know the specifics as to why your score dropped. I suggest monitoring your score and report closely and checking out this article we have about score changes: https://www.creditkarma.com/article/MyScoreDroppedWhy


    Enola Guerrero at 5:44 pm on October 6, 2015
  34. I’ve paid the accounts in collections when will this show on my credit report?

    Khameron P Salith at 5:06 pm on November 15, 2015
  35. Enola Guerrero

    Hi Khameron – Updates usually take up to 30 days, maybe longer, depending on the credit bureau and lender. Thanks!

    Enola Guerrero at 2:22 pm on November 17, 2015
  36. I am currently in a bankruptcy. How long after my discharge will it show on my credit and how will it effect my score?

    Miranda at 7:55 am on December 4, 2015
  37. Enola Guerrero

    Hi Miranda – This question can be best answered directly from the credit bureau. Thank you.

    Enola Guerrero at 11:17 am on December 4, 2015
  38. I have just recently had a bankruptcy charged off how long will it tak to reflect on my credit repot?

    Rick at 9:04 am on December 17, 2015
  39. Enola Guerrero

    Hi Rick – Depending on the lender and the credit bureau, it can take up to 30 days for the update to appear on your Credit Karma account. If it is longer than that, please contact the bureaus directly about this matter. Thank you!

    Enola Guerrero at 5:18 pm on December 17, 2015
  40. Your information listed about my credit card is inaccurat when I view credit factors.. It should have updated during the last update as the account was updated mid last week…. I have gone to the CC site and verified..

    Michael Ruehl at 11:54 am on December 23, 2015
  41. There is a 2nd mortgage showing stilll open for the last 19 months that was dismissed and closed May 2014. I have sent proff of it being not owed anymore. But it is still there along with other bogus closed accounts from many years ago.

    Jim Bratland at 2:42 pm on December 26, 2015
  42. Enola Guerrero

    Hi Michael – Depending on the credit bureau and lender, it can take up to 30 days for updates to reflect on your account.

    Thank you!

    Enola Guerrero at 5:19 pm on December 28, 2015
  43. Enola Guerrero

    Hi Jim – To dispute any errors you see on your report, you can do so directly with the credit bureau. https://www.creditkarma.com/article/dispute-credit-report-errors


    Enola Guerrero at 5:32 pm on December 28, 2015
  44. In one week my transunion dropped 54 points. Nothing has changed. I have been paying bills on time and nothing is in collections.

    chris at 7:47 am on January 18, 2016
  45. Hello,
    I only have one missed payment on a credit card back in 2009, when will this go away so I can better my score? do I need to call someone or will it be X amount of years before it goes away?
    thank you

    Gabriela at 12:15 pm on January 18, 2016
  46. Enola Guerrero

    Hi Chris – We do not know the specifics as to why your score changed. You can read about possibilities of the score changes here, https://www.creditkarma.com/article/MyScoreDroppedWhy


    Enola Guerrero at 12:29 pm on January 21, 2016
  47. Enola Guerrero

    Hi Gabriela – You can dispute any errors you see on your report here: https://www.creditkarma.com/article/dispute-credit-report-errors


    Enola Guerrero at 12:59 pm on January 21, 2016

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