It updates once per day when you log on to their system, but will only update at 24 hour intervals. For example, if today is the first time I log in to the system at 4:25pm, the system will update. Subsequent logons before 4:25pm the next day will show the same information. Tomorrow after 4:25pm I could log on and see the Credit Expert screens and credit score populated with fresh information. If you select the option to view your actual credit report, you get a refreshed current version each time.