Credit Advice

Credit Karma updates every time you hit the update button. It pulls your report and shows you your new information. As for whether or not what you did helps or hurts, I have no idea. Refinancing, do you mean paid off one loan with another loan? That probably hurt. There's a new credit inquiry on your report, and you lost an older line of credit. You made payments on time, which helps. Credit scores, at their core, are really simple. Use credit. Don't abuse credit. Pay your bills responsibly. You will then be scored like a responsible person. If you have negative things, it looks bad (like a friend saying "i would never loan this person money, they won't pay you back"). If you have a positive history, it looks good. Update your score at least monthly, and you'll get a good idea of how your score is being affected.