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Regular Contributor
Posts: 173
Registered: ‎05-31-2012
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are both EQ and TU reports here "current"?

I'm in a situation where I'm waiting for my EQ score to go up a little bit to qualify for a USDA rural home loan. I have 3 sallie Mae accounts that I paid on 5/5 and 5/28 that still have not shown up on my credit report. I called Sallie and they assured me that all six payments were sent to the credit bureaus on 5/31 but as of 6/18 they are still not showing up on the my fico site for either EQ or TU. (the last payments showing are from april) I'm paying $13.96 on almost a daily basis here to see when the payments hit so I can make an offer on our dream house!

So my question is how current are the reports on the my fico site? shouldnt these payments that were sent to the bureaus already be showing up on my credit report?

 

Thank you

 



Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
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Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
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Re: are both EQ and TU reports here "current"?

Yes, the reports are current as of the day you pull them from the CRA.  MyFICO does not store old reports, it pulls the reports from EQ or TU on the day you request it.  So if you see something that you think is incorrect on your credit report, you could a) file a dispute or b) contact the OC again.  I would recommend contacting Sallie Mae again first since disputes can cause new problems sometimes.

EX:694 TU:744 EQ:777
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Regular Contributor
Posts: 168
Registered: ‎12-05-2007
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Re: are both EQ and TU reports here "current"?

jeffg330.

I found  ur concern to be true for me too. i pulled my reports from TU and EQ no less than 6 times in a month and a half and it still reports at the latest April. it must be behind some how. i have 2 auto loans and none of them are showing current reporting from My fico pulls. its as if it uses your last pulls as a template and only updates if there is a major change with your accounts.

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
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Regular Contributor
Posts: 173
Registered: ‎05-31-2012
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Re: are both EQ and TU reports here "current"?

Thank you for the response Luckelle, at least I know it's not just me now. All we can do is practice patience at this point. They gotta hit sometime!


Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
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Posts: 1,283
Registered: ‎04-06-2011
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Re: are both EQ and TU reports here "current"?

The reports show what you'd see if you pulled a report direct from the CRA. If something has not updated, it's probably the creditor has not reported or the CRA itself has not updated. myFICO would not factor in there.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
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Re: are both EQ and TU reports here "current"?

I was told by a CR at Sallie Mae that they input the information into their system daily for CRA updates, but those updates are collectively forwarded to the CRA's only once every 30 days.  Don't know if that is true or not, but it is what I was told.

Regular Contributor
Posts: 173
Registered: ‎05-31-2012
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Re: are both EQ and TU reports here "current"?

Thank you Heather, after talking to different CSR's at Sallie I'm convinced they have no clue about how that all works! Never the less, I remain in a holding pattern.


Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
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Regular Contributor
Posts: 168
Registered: ‎12-05-2007
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Re: are both EQ and TU reports here "current"?

even if it is not myfico with the slow update problem, it should be a part of disclamer when stated you will get the most up to date reports. Not saying there not but if you know theres a lag in creditors reporting or lack there of. Put it out their. i dont like spending money on reports only to see it looks exactly like the last 2 month reports. Im just sayin :smileyhappy:

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


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Registered: ‎04-06-2011
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Re: are both EQ and TU reports here "current"?


luckelle wrote:

even if it is not myfico with the slow update problem, it should be a part of disclamer when stated you will get the most up to date reports. Not saying there not but if you know theres a lag in creditors reporting or lack there of. Put it out their. i dont like spending money on reports only to see it looks exactly like the last 2 month reports. Im just sayin :smileyhappy:


Has your entire report not been updated or just a specific tradeline?

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Regular Contributor
Posts: 173
Registered: ‎05-31-2012
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Re: are both EQ and TU reports here "current"?

In my case it's the entire report. It looks exactly the same as when I had my hard pull on 5/15


Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
Quicksilver $5000 Discover IT $1500 Barclays NFL $1250 Walmart $1500 CL Applied Bank $300 (secured)

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