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Valued Contributor
enharu
Posts: 2,123
Registered: ‎02-27-2013

is creditsesame account balances accurate?

i am just about to apply for new cards, but i noticed that creditsesame is still reflecting my old card balances. does anyone else have the same issue?

for CK all my balances have been updated. Creditsesame on the other hand is still using balances from 2 cycles ago for 1 of my account, and the remaining 3 accounts have balances reflected from last statement, not the current one.

 

is it a problem with creditsesame itself or my experian isn't updated at all? :smileysad:

Current cards: Citi Thank You Preferred (20.5k), Chase Sapphire Preferred (15k), Chase Freedom (12k), Chase Amazon Visa (10k), US Bank Cash+ (15.5k), Discover IT (9k), Wells Fargo Platinum Visa (10.5k), Barclay Arrival World MC (8k), Bloomingdale's (2.1k), Macy's (3.5k).
Regular Contributor
ceemee2203
Posts: 178
Registered: ‎07-27-2012

Re: is creditsesame account balances accurate?

[ Edited ]

CS is showing last month's balance for me (well I haven't had a balance since last Aug. or something, so it's still showing as 0). CK is showing the correct CC balance for me ($138).


Starting Score: 702 (07/27/12 EX AMEX Pull)
Current Score: 734 (04/03/13 myFICO) / 740 (CS) / 749 (CK)
Goal Score: 800
Current Cards: AMEX PRG, AMEX BCE, BofA Travel Rewards with EMV
Valued Contributor
enharu
Posts: 2,123
Registered: ‎02-27-2013

Re: is creditsesame account balances accurate?

Do u know if this is a problem with cs itself? Or is experian just lagging behind the other CRAs in general?
Current cards: Citi Thank You Preferred (20.5k), Chase Sapphire Preferred (15k), Chase Freedom (12k), Chase Amazon Visa (10k), US Bank Cash+ (15.5k), Discover IT (9k), Wells Fargo Platinum Visa (10.5k), Barclay Arrival World MC (8k), Bloomingdale's (2.1k), Macy's (3.5k).
Contributor
Simply827
Posts: 272
Registered: ‎10-15-2012

Re: is creditsesame account balances accurate?

CS only updates once a month


Starting Score: 515
Current Score: EQ 675 EX 631 TU 667
Goal Score: 700+


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New Contributor
Laugh
Posts: 72
Registered: ‎12-29-2012

Re: is creditsesame account balances accurate?

Simply827 beat me to it.

You guys need to read before signing up for anything!
Last App:5/11/13


Starting Score: TU 740 5/9/13
Current Score: TU 734 5/20/13 (all 3 new accounts are reporting)
Goal Score: 838


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Regular Contributor
Countingpennies
Posts: 214
Registered: ‎02-14-2013

Re: is creditsesame account balances accurate?

CS updates once a month and when it does (on mine anyway) it's two months behind what Experian reports directly.

Frequent Contributor
Gunnar419
Posts: 400
Registered: ‎01-23-2013

Re: is creditsesame account balances accurate?

Yes. Aside from the fact that CS updates only once a month, the last two times they've failed to update any account info -- promising each time that it would be done the next month.They've updated the score, but not the accounts.

 

But I checked my Experian CR and it is definitely updated. The problem is only with CS -- a site that seems more useless every day.



Regular Contributor
ceemee2203
Posts: 178
Registered: ‎07-27-2012

Re: is creditsesame account balances accurate?


Countingpennies wrote:

CS updates once a month and when it does (on mine anyway) it's two months behind what Experian reports directly.


....And it just updated today for me, but showing my old balance.


Starting Score: 702 (07/27/12 EX AMEX Pull)
Current Score: 734 (04/03/13 myFICO) / 740 (CS) / 749 (CK)
Goal Score: 800
Current Cards: AMEX PRG, AMEX BCE, BofA Travel Rewards with EMV
Contributor
Simply827
Posts: 272
Registered: ‎10-15-2012

Re: is creditsesame account balances accurate?


ceemee2203 wrote:

Countingpennies wrote:

CS updates once a month and when it does (on mine anyway) it's two months behind what Experian reports directly.


....And it just updated today for me, but showing my old balance.


Which I find strange considering I get credit usage(UTL) updates from them every few days.


Starting Score: 515
Current Score: EQ 675 EX 631 TU 667
Goal Score: 700+


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