How often does your credit score change?

It is fluid. It is constantly changing, and it is based on the length your accounts are open, your last billing cycle, and your last late payment.

Do you pay a monthly fee to check your report any time, or do you pay each time you check?

I believe that if you check your report a lot, it counts against you and reduces your score. So you should check only when you really need to.

Just a monthly fee, you can check it as often as you want. I do not believe that it gets reduced that way, only when other parties check.

I was told that it only counts against you when you do a hard pull, which the credit score companines are not doing in order to gain access to your credit report and or score. Check as often as you’d like!