Received notification that my score went up but don't see a change in points?

Received notification that my score went up but don't see a change in points?
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#1

I see a change in my graph but not in total points. I also just started paying off my student loans again - when will this be reflected in my score?


#2

Hi Ker :wave: and welcome to the community!

NerdWallet sends monthly updates notifying you if your score has changed over the last month, but your score may not have changed since the last time you logged in. The notification you received was likely referring to the month-over-month change you can see in the graph.

As for when your student loan payments will be reflected in your credit score, I’m afraid I can’t offer a specific answer. Your credit score is affected by multiple factors each month, including your credit utilization ratio, age of accounts, new hard inquiries, etc. But if you’re practicing good credit habits overall - including making payments to all of your accounts on time and in full - you should start to see your score improve slowly but steadily over the next few months. Keep up the great work! :muscle: