07-14-2012 07:40 AM
I'm new to to the forum and I think its great so far. Ok I'm in my early 30's and started off with poor credit report and decided to do something about it. Got a new job and paid off derogs on my credit report. Paid off 5 derogs in two months and scores went from very low 500's to low 600-640. I opened a cap on secured and I'am so happy. The question is why does it take equifax so long to go up trans and experian have gonne all the way up. Does equifax update every 30 days or what thanks in advance
07-14-2012 08:38 AM - edited 07-14-2012 08:41 AM
07-14-2012 08:53 AM - edited 07-14-2012 08:54 AM
never knew this was happening to anyone else; i swear EQ has a kungfu grip my account statuses.
all i've read until now is how slow TU is to update but more times than not they are the first to remove/correct for me. wouldn't know about actual scores since i don't check mine beyond refreshing CK every day... i do plan to pay for FICOs once the dispute period is over though
07-14-2012 09:48 AM
Just to maked sure, you are taking about FICO scores? Where did you get your scores from?
If you still have a major derog on your CR, it may take some time for your score to see significant improvment vs. lower util which can show improvment the moment they are reported.
07-14-2012 10:10 AM
07-14-2012 10:50 AM
mine are from lender pulls but, as i've been reading in the forums, the scores provided from the EQ and TU sites are FAKOS and myFICO is the only place (other than lenders, of course) to get real FICOs
07-14-2012 11:05 AM
some say they're close to their actual FICO scores and some say they're way off, so i think that's why no one wants to get their hopes up or get discouraged by FAKOs
07-14-2012 10:50 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.