Do lenders pull a report that only updates monthly?

[rkb84]

I had them pull on the 27th of last month and scores were

TU- 629

EXP- 627

EQ - 602

I had a collection from Verizon ($460), got a PFD it doesn't show on the reports now, also got a collection from Asset Acceptance PFD ($800). I know for sure those 2 are gone off my current reports I have checked.

Today they ran it again- same exact scores, same colections above showing.

I know for sure My Equifax Fico on here has jumped to a 650 as well. They are telling me they might not have updated yet, also "if you got those collections deleted they already did their damage and scores stay" I think they are just feeding me BS. Or do some lenders have a system where even though the 3 CRA's reports/scores are updated, there system doesn't?

[rkb84]

I had them pull on the 27th of last month and scores were

TU- 629

EXP- 627

EQ - 602

I had a collection from Verizon ($460), got a PFD it doesn't show on the reports now, also got a collection from Asset Acceptance PFD ($800). I know for sure those 2 are gone off my current reports I have checked.

Today they ran it again- same exact scores, same colections above showing.

I know for sure My Equifax Fico on here has jumped to a 650 as well. They are telling me they might not have updated yet, also "if you got those collections deleted they already did their damage and scores stay" I think they are just feeding me BS. Or do some lenders have a system where even though the 3 CRA's reports/scores are updated, there system doesn't?

[webhopper]

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@rkb84 wrote:

I had them pull on the 27th of last month and scores were

TU- 629

EXP- 627

EQ - 602

I had a collection from Verizon ($460), got a PFD it doesn't show on the reports now, also got a collection from Asset Acceptance PFD ($800). I know for sure those 2 are gone off my current reports I have checked.

Today they ran it again- same exact scores, same colections above showing.

I know for sure My Equifax Fico on here has jumped to a 650 as well. They are telling me they might not have updated yet, also "if you got those collections deleted they already did their damage and scores stay" I think they are just feeding me BS. Or do some lenders have a system where even though the 3 CRA's reports/scores are updated, there system doesn't?

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In some cases, this happens.   if you have letters from the collection agencies or from Verizon, you should forward those letters along with a copy of the cancelled check or statement showing where you paid them. 

Then ask for a "Rapid Rescore"

If they try to hassle you about the rescore, or make you pay for it, feel free to walk away and interview other lenders. 

[webhopper]

I had them pull on the 27th of last month and scores were

TU- 629

EXP- 627

EQ - 602

I had a collection from Verizon ($460), got a PFD it doesn't show on the reports now, also got a collection from Asset Acceptance PFD ($800). I know for sure those 2 are gone off my current reports I have checked.

Today they ran it again- same exact scores, same colections above showing.

I know for sure My Equifax Fico on here has jumped to a 650 as well. They are telling me they might not have updated yet, also "if you got those collections deleted they already did their damage and scores stay" I think they are just feeding me BS. Or do some lenders have a system where even though the 3 CRA's reports/scores are updated, there system doesn't?

[tooleman694]

Yeah they have to do something to get it to actually give a new report if it is done too soon.