topic Re: NOT UPDATING in General Credit Topics

NOT UPDATING

bsal — Wed, 23 Dec 2015 22:36:47 GMT

Question I purchased the fico 3b credit report monitoring and I have been receiving dispute letters back from Transunion and experian saying both my judgment /public records have been deleted witch is great news, but when I log on here its not updating removing those records it's still showing. My question is so I have to repurchase new records to see the up date with Transunion and experian? Cause my equifax updated but the other two didn't why is that? if I purchased the 3b fico monitoring why is it only updating equifax and not the other two?

Re: NOT UPDATING

Anonymous — Wed, 23 Dec 2015 22:53:47 GMT

@bsal wrote:
Question I purchased the fico 3b credit report monitoring and I have been receiving dispute letters back from Transunion and experian saying both my judgment /public records have been deleted witch is great news, but when I log on here its not updating removing those records it's still showing. My question is so I have to repurchase new records to see the up date with Transunion and experian? Cause my equifax updated but the other two didn't why is that? if I purchased the 3b fico monitoring why is it only updating equifax and not the other two?

Hi bsal,

There are currently 3 separate packages:

1. Essentials 1B - Monthly access to a new Equifax credit report

2. Ultimate 3B - Quarterly access to a new 3-bureau credit report

3. Score 3B Report - Current 3-bureau credit report

So the only thing that is in real time (or close to real time) are the credit scores. The credit reports are not real time. They only updated at the frequency of the above time tables- which is when you selected to "pull the report". The only way to get new reports early is to pay for the new reports. That's why many people use other sites for up-to-date reports.

Re: NOT UPDATING

gdale6 — Wed, 23 Dec 2015 22:55:46 GMT

The triggers for updating are not uniform across all the CRAs so this may be why

http://myfico.custhelp.com/app/answers/detail/a_id/463/kw/3-bureau%20monitoring/session/L3RpbWUvMTQxMjI5OTE5OC9zaWQvMWxBTVdVM20%3D

http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Score-Watch-Guide/td-p/603543

Re: NOT UPDATING

bsal — Thu, 24 Dec 2015 02:11:50 GMT

Thank you so I guess I just have to wait till March when my next pull is

Re: NOT UPDATING

bsal — Thu, 24 Dec 2015 02:17:47 GMT

Thank you so I shouldn't be worried?

Re: NOT UPDATING

Anonymous — Thu, 24 Dec 2015 02:23:54 GMT

There's two different things you may want.

(1) REPORTS: You may want to see concrete evidence of the fact that those negative records are no longer on your report.

(2) SCORES: You may want to see how your FICO scores have changed now that the negative records are no longer on your reports.

You can get #1 for free by joining Credit Karma. CK will give you your TU and EQ reports. You should not try to compare the scores you get at Karma to the ones you got at myFICO. The two sets of scores use different scoring systems.

Re: NOT UPDATING

Anonymous — Fri, 25 Dec 2015 12:25:08 GMT

Say what RightesousManFalls7Times????

Re: NOT UPDATING

Anonymous — Fri, 25 Dec 2015 13:18:27 GMT

Sorry, I must have fallen asleep while reading the forums and clicked the "Post" button with my face or something. Lol.

Merry Christmas, everyone!

Re: NOT UPDATING

Anonymous — Fri, 25 Dec 2015 13:33:15 GMT

@Anonymous wrote:
Sorry, I must have fallen asleep while reading the forums and clicked the "Post" button with my face or something. Lol.

Merry Christmas, everyone!

No problem whatsoever RighteousManFalls7Times... hehe....

Also Merry Christmas to you and your family as well.

;-)

Re: NOT UPDATING

takeshi74 — Sat, 26 Dec 2015 05:57:09 GMT

@bsal wrote:
Thank you so I shouldn't be worried?

Your call. If you want to confirm you'll have to pull reports. You don't have to wait for your monitoring service to offer updates reports and you don't have to use myFICO.