Can I refresh my credit report myself?

Consistency in accessing your credit reports is crucial for an accurate assessment of your financial standing. While you have the autonomy to view your credit reports through the monitoring app, we strongly advise against frequent refreshing. Each refresh resets the reporting cycle, potentially hindering our ability to capture the latest updates from the credit bureaus. This stems from the fact that these bureaus require up to 30 days to respond to inquiries, meaning any refresh conducted too soon may overlook recent changes.

Should a refresh occur prematurely, it could impede our ability to gather comprehensive data beyond that specific refresh date. Consequently, this delay could affect the efficiency of our Dispute Resolutions team in addressing any discrepancies or issues detected in your credit report. They may need to await the subsequent refresh date to proceed with your case, prolonging the resolution process and potentially impacting your financial decisions or obligations during this time.

Therefore, while we acknowledge the convenience and accessibility of the credit monitoring app, it's essential to exercise prudence in its use to ensure timely and accurate monitoring of your credit profile. By refraining from excessive refreshing, you can facilitate smoother communication between our team and the credit bureaus, ultimately expediting the resolution of any concerns and safeguarding your financial well-being.