Your VantageScore credit score is calculated by one of the three credit bureaus, and the underlying data used to generate the score is contained in a credit file maintained by them. Lenders contacting the bureau in real-time for new credit applications will get this live score based on information reported to date. For those lenders and financial websites managing established accounts, or displaying your score for education purposes, they are likely to have an agreed update cycle, commonly once a month.
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