Credit reporting agencies typically update the information monthly. However, each of your credit account information change more often depending on due dates and payment cycles for each account. Additionally, large credit card companies have millions of accounts and they report portion of them at different times, for easier management of large data. Other information, such as bankruptcies and hard and soft inquiries are also reported within days, weeks or months from their occurrence. Thus, you will see changes in your credit reporting account all the time.