Reply
Regular Contributor
deg757
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
jmcmanna
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
deg757
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
LALALISA
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


Take the FICO Fitness Challenge

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+