The answer to this question depends on which major company your report came from. Equifax, Experian, and TransUnion are the three major credit bureaus and usually take 30-45 days to produce reports. Seldomly do these bureaus make reports simultaneously, and the time of month reports occur varies per bureau. Other options like your FICO or VantageScore can update weekly or monthly depending on your history with the bureau. While your credit score updates every 30-45 days depending on the bureau you use, your credit is constantly being reported. By checking your credit score often, you are aware of any report changes.