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I pulled my TU and EX reports here on Monday and the EQ report on Tuesday. I noticed that my TU report was still showing last month's Captital One balance. That was paid to zero before the account closed on the 6th. I thought the info is sent out to all of the CRAs at the same time.
I've found that EX updates the fastest, EQ can be a day or two behind, and TU is generally a few days after. Thats been my experience when monitoring my own reports. So yeah, TU is the slowest to update but by no more than a week or so.
The lender will report at the same time to all 3; however, TU's database updates lag compared to EX / EQ. Not sure why other than infrastructure issue somewhere.
@Revelate wrote:The lender will report at the same time to all 3; however, TU's database updates lag compared to EX / EQ. Not sure why other than infrastructure issue somewhere.
If you haveever had to call TU, their people update last too
I learned something new today. Don't know if I would have gained a few points if I waited. TU was reporting two cards with balances - one $694.00 and the other $112.00. I held off to give the Cap 1 time to report. I kind of think the score would have been the same. I'll see on my next TU update.
@masscredit wrote:I learned something new today. Don't know if I would have gained a few points if I waited. TU was reporting two cards with balances - one $694.00 and the other $112.00. I held off to give the Cap 1 time to report. I kind of think the score would have been the same. I'll see on my next TU update.
With 7 revolving accounts according to your siggy? Maybe. Jamie had two different datapoints, one where he saw a difference and one where he didn't.