Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • jackridge
    • By jackridge 6th Oct 17, 2:00 PM
    • 8Posts
    • 3Thanks
    When does credit rating update?
    • #1
    • 6th Oct 17, 2:00 PM
    When does credit rating update? 6th Oct 17 at 2:00 PM
    Hi everyone,
    I have read online that credit scores typically update every month?

    I cleared my credit card balance with Santander on 25th September, and I cleared my credit card with Tesco on 4th October.

    I am obviously expecting the tesco one to stay on there until next month or so but I thought the Santander one would be showing as clear on my credit file by now? Can anyone give me some information on when they are updated?

    In the middle of applying for a mortgage and I'm scared it's going to affect my application. Would my lender accept anything to show that I have cleared both of these if it does?

    Thanks in advance!
Page 1
    • zx81
    • By zx81 6th Oct 17, 2:03 PM
    • 17,636 Posts
    • 18,780 Thanks
    • #2
    • 6th Oct 17, 2:03 PM
    • #2
    • 6th Oct 17, 2:03 PM
    The files should update monthly. So you may have a week or so to go, depending on when your file is updated.

    If the lender needs evidence of a cleared balance, provide them with a statement or similar.
    • Dobbibill
    • By Dobbibill 8th Oct 17, 10:09 PM
    • 3,196 Posts
    • 4,099 Thanks
    • #3
    • 8th Oct 17, 10:09 PM
    • #3
    • 8th Oct 17, 10:09 PM
    It just depends how the dates fall.

    Eg - If Santander update the CRAs on the 24th of the month then there will be a few weeks before it shows an accurate balance as the balance on the 25th September wouldn't be shared with the CRAs until the 24th October - then considering when the CRAs do your monthly report.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    It's not about being the best -
    It's about being better than you were yesterday.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

218Posts Today

4,365Users online

Martin's Twitter
  • RT @bbcthehour: "Mental health and debt is a marriage made in hell" @MartinSLewis told the Senedd when people are more vulnerable they're m?

  • RT @justindeaville: @MartinSLewis I looked it up when we last went. It's ball speed. And it's about O.3 seconds to cross the court. @Martin?

  • Amazing how empty the #Wimbledon court is for the mixed doubles even though there's a Brit playing. The bars outside are rammed though

  • Follow Martin