Why Doesn't My Credit Score Change?

CreditGo will update your credit score when you log in for the first time, and will be updated weekly.

Your score may not change even if there is a change on your credit report. This is because the change is too small, so it does not have any impact on your credit score.

The credit history takes time to establish. Some of the key factors in your score, such as repayment history and age of credit, can take months or even years to establish. Good habits such as on-time repayments and maintaining low credit-limit-used can help you improve your credit score.

If the bank or financial institution has not reported to TransUnion (TU) in time, you may find no changes in your credit score, even if you performed a credit activity (such as repaying credit card debts) recently.

Generally speaking, the bank or financial institution will report the user's latest balance, payment records, credit amount changes and other new information to TU every month; but each bank reports to TU on different dates, so you may find Bank A's record up-to-date and accurate, but not for Bank B's record.

Still have questions? Contact us.