Reply
Established Contributor
Posts: 510
Registered: ‎04-20-2007
0

how often do CRA update their records..

it seems like it takes a loooooong time 4 those guys to update their files..when something is deleted on my file, does that mean my CR is automatically updated?
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: how often do CRA update their records..

[ Edited ]
Well did the CRAs actually delete.. or did a creditor themselves say they were going to delete? Makes a difference.
 
CRA: If they say its deleted it should be gone, no waiting period.
 
Creditor: Creditors generally report once a month. So your report should update within 30 days.


Message Edited by Tuscani on 04-23-2007 05:46 PM
Established Contributor
Posts: 510
Registered: ‎04-20-2007
0

Re: how often do CRA update their records..

i submitted an online dispute with transunion....came back 1 item was deletd, however score remained the same so i was wondering, do i have to wait for them to update?
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: how often do CRA update their records..



mymy wrote:
i submitted an online dispute with transunion....came back 1 item was deletd, however score remained the same so i was wondering, do i have to wait for them to update?



Nope. It should be gone immediately. Are you sure you are pulling an updated report? Your score should definately reflect the change. Perhaps this is related to the current issues at TranUnion. I would not panic.
New Contributor
Posts: 69
Registered: ‎03-07-2007
0

Re: how often do CRA update their records..

Since March when I started disputing items on my credit, my scores at EXP and EQ have been soaring. I can see the items fall off on TU but my score hasn't budged.
Highlighted
Moderator Emeritus
Posts: 273
Registered: ‎04-13-2007
0

Re: how often do CRA update their records..

I have noticed the same thing but since each bureau is different because not all creditors report to all bureaus it may be the impact doesn't affect TU as heavily as a perhaps more used bureau. For me all bureaus have gone up with tu the highest yet not so much as drastic as the other two. I still am expecting some changes soon due to payoffs and aging. It could take longer than 30 days if your creditor already updated this month.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.