How Often Are Credit Scores Updated?

  • Personal information
  • Account history
  • Credit inquiries
  • Public records
  • Payment history (35 percent), including both on-time and late payments.
  • Amount of debt (30 percent), including loans, credit cards, etc.
  • Length of credit history (15 percent), or how long you’ve been using credit.
  • New requests (10 percent), including both soft and hard inquiries.
  • Credit mix (10 percent), which refers to the various types of credit you have.
  • Always make at least the minimum payment, on time, every month on your outstanding balances.
  • Aim for a diverse mix of credit accounts.
  • Establish a long history of responsible borrowing.
  • Strive for less than 30 percent credit utilization across your accounts.
  • Don’t open too many new credit accounts too rapidly.



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Aaron Bouren

Aaron Bouren


Aaron Bouren, CEO of Bouren Ventures, is an entrepreneur, public speaker, sales trainer, and marketing expert. Learn more at