Your ClearScore report refreshes weekly - or daily if you have Protect Plus. Most banks and lenders send updates to Equifax roughly once a month, so new information such as balances, payments, new accounts, or address/name changes can take around 5–8 weeks to appear.
Example: If you pay off a credit card balance in October, you’ll usually see that change reflected in your report sometime in November.
For real-time balances, always check your bank account - credit reports aren’t live ledgers.
Things to consider:
Different reporting days
Each lender reports at different times. One might report on the 1st, another on the 29th - so your data won’t always align perfectly. That’s normal.
Statement vs snapshot
Many lenders report the balance from your statement date. Even if you pay in full later, the report may still show what you owed on that date. What matters most is that payments are made on time.
Who shares what
Not all lenders share information with every credit reference agency (CRA). If a lender doesn’t share with Equifax, that account won’t appear on ClearScore.
System changes or rebrands
If a lender updates their systems or changes their brand, an older account may temporarily look new or disappear and reappear on your report. If you get an alert about a “new” account but recognise it, check the open date and payment history - if they look right, everything’s fine.
What to do if an update takes longer than expected
1. Ask your lender when they last reported to the CRAs, and confirm your name and address are correct on their side.
2. Allow a full reporting cycle after they’ve sent the update - it can take a little while to reach Equifax and then ClearScore.
3. Still not updated after about 8 weeks? Start a dispute with Equifax (you can do this through our chat), and we’ll help you get it sorted.