Regular Contributor
Posts: 237
Registered: ‎07-13-2012

Do all CRAs get updated at the same time?

I just checked my 3 credit reports, EQ and EX have been update to show my new Cap 1 balance (went from $745. - PIF) but TA is still showing the old balance. Aren't they updated at the same time?

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Community Leader
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011

Re: Do all CRAs get updated at the same time?

EX is sent electronically, so it happens instantly.  EQ is sent at the same time, except it is done with a dialup line that is constantly busy, so can take a day or two.  TU is sent at the same time via snail mail, and even then TU only checks the mail bag biweekly and a human needs to manually key it in.... so obviously, this takes a bit longer.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+