How long does it take for address to update on credit report?
Rachel Davis
Updated on February 16, 2026
30 to 45 days
The new address will be reported to Experian when the lenders update your account history. Updates are made at the end of the billing cycle, so you should allow at least 30 to 45 days for the new address to be added.
How do I notify credit agencies?
As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
- Equifax: 1-800-525-6285;
- Experian: 1-888-397-3742;
- TransUnion: 1-800-680-7289;
Does a credit report include your address?
Identifying information This section of your Equifax credit report includes personal information, such as your name, address, Social Security number, and date of birth. The identifying information contained in your Equifax credit report is not used to calculate credit scores.
How do I update my information on Experian?
If you wish to update this information, you may do so by calling or writing to Experian using the contact information provided on your Experian credit report. You may go online and delete an incorrect number, but we must assist you to add or change a number.
Does changing address affect credit score?
Your address doesn’t affect your credit score. However, it affects what information appears on your report, which can affect your score. Moving house too often can also make you look less stable, which might discourage some lenders from giving you credit. Credit reference agencies update your address automatically.
How often does your credit score update?
Your credit reports are updated when lenders provide new information to the nationwide credit reporting agencies for your accounts. This usually happens once a month, or at least every 45 days. However, some lenders may update more frequently than this. So, say you paid down a credit card recently.
How do I find out if someone is using my address for credit?
You can also contact the 4 credit bureaus: Crediva, Experian, Equifax & Transunion and let them know that you are the only occupant of this property and that someone is using your address without your permission.
Why is there a random address on my credit report?
Your credit report may list any address associated with an account with which you are associated. This means that if you are a joint account holder or an authorized user on an account and the bills are sent to someone else’s address, that address could appear on your report as well.
When do you change your address on your credit report?
When your creditors update your information with the credit bureaus, they also update your address information. For example, if you change your mailing address with your credit card issuer who then reports it to the credit bureaus, the new address will then appear on your credit report.
How does a person update their credit report?
If you change your name, address, telephone number or other personal information, there are a few ways you can update your credit file. Updating Personal Information on Your Credit Report Your credit reports are based on information in credit bureaus’ databases, much of which comes from the data that creditors send to the bureaus.
When do I update my address on my Experian credit report?
After you do so, they will update the address on your accounts. The new address will be reported to Experian when the lenders update your account history. Updates are made at the end of the billing cycle, so you should allow at least 30 to 45 days for the new address to be added.
How can I Change my Name on my credit report?
If you want your credit reports to state a new name, address or employer, get in touch with your creditors and ask them to change their records. Your addresses, names and jobs aren’t factored into your credit scores, but it’s better to be prudent and keep your information up-to-date.
