Sometimes at the beginning, but most often, at the end. They are usually pretty accurate.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I had a mixed bag on this one. two years ago I had a charge off that said it would report untill AUG 2011, it dropped off my EX in the begining fo Sept
I had another CO that said April 2012 and in march, it was also off my TU
Credit bureaus also take their time. EQ for me is generally the quickest with TU being the slowest.
