Credit report refresh schedule

You can refresh your report every 30 days

Zypper gives you a full refresh of your credit report and scores every 30 days. Depending on your credit plan, each report covers all three bureaus (TransUnion, Experian, and Equifax) or a single bureau (Equifax) — the Essentials plan covers money tools and doesn't include credit reports. When your next refresh becomes available — 30 days after your last report — you can request it from your dashboard, and we'll also email you to let you know a refresh is ready. You can turn these emails on or off in your notification settings.

You can't refresh earlier than 30 days after your previous report, so if the refresh option isn't available yet, that's why — check the refresh date shown in your dashboard.

Why a recent change may not appear yet

Two common reasons:

• The next refresh hasn't been pulled yet. The change will appear when you refresh after your 30-day availability date.
• The lender hasn't reported it yet. Lenders typically report to the bureaus once a month, so a payment made this week may take several weeks to appear at the bureaus at all — on Zypper or anywhere else.

If your report differs from what you see directly at a bureau's own site, it's usually a timing difference between when each service pulled the data. If your report won't load at all, see Troubleshooting credit report loading and identity verification.