Most creditors report positives quarterly, semiannually, or even annually. Negatives are reported as soon as the law allows (Dodd-Frank made it so credit card companies can't report you unless you're late 2 payments in a row or 3 in 6 month). Late mortgage or installment loan payments may show up as soon as 30 days, high revolving credit balances vary by creditor. Court judgments and collections show up almost immediately.