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Regular Contributor
Posts: 118
Registered: ‎08-13-2012
0

When do Equifax and Transunion update?

My Experian credit report updated with my new credit card balance this morning but Equifax and Transunion didn't. Does anyone know how long it takes for them to update? I am waiting to start pre-approval until these update and I don't want to spend $40 everyday to check them if it takes them a while to update.

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Established Member
Posts: 21
Registered: ‎04-13-2009
0

Re: When do Equifax and Transunion update?

Sign up for an account on creditkarma.com. It's free and will give you your Transunion credit report daily. Just disregard the scores. Transunion is usually the slowest of the 3 to update cc balances, so once it is updated there, it probably will have gone through Equifax already, too.
Regular Contributor
Posts: 118
Registered: ‎08-13-2012
0

Re: When do Equifax and Transunion update?

I know you said to ignore the scores on credit karma but I have a question about them. My score is 31 points lower on credit karma than the one I got from here. The myFICO score is the true correct score, right?

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
New Contributor
Posts: 73
Registered: ‎05-21-2012
0

Re: When do Equifax and Transunion update?

Yes, although myFICO score was a little lower than what my lender pulled on 8/13 but the one on Credit Karma is called a FAKO.  Ignore it and don't stress over it :smileyhappy:


Starting Score: Jan 2011: 517; March 2012: 620
Current Score: Ex 681 FairIsaac V2; TU 690 Classic04; Eq 642 Beacon5.0-All lender pull 8/13/12
Goal Score: 700


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