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View your scores and reports anytime. Each creditor reports data once per month to the credit agencies. This day varies by the creditor. Depending on when you pay, it can be more then 30 days before it is reflected because of the timing of when you paid, the processing of the payment, and when they report.
According to the credit reporting agency Experian, this is how it works: The debt starts as a current, never late account. As you get behind on the payments, it is typically reported as being 30, 60, 90, and then 120 days late. At that point the creditor is likely to charge off the debt. Its status will be changed to âcharged offâ and âsold to collections.â âCharged offâ and âsold to collectionsâ are both considered a final status.