topic Re: Credit report not updating in General Credit Topics

Credit report not updating

Anonymous — Sun, 02 Jun 2019 22:49:11 GMT

Transunion and Equifax hasnt updated my credit report (balances etc.) since beginning of december 2018, so for over 6 months, Experian regularly does.
Any idea what might be going on, or if anything can be done about it?
We're getting ready to shop for a mortgage, so it's kind of concerning.
Since then I've paid off one vehicle, all CC balances, have another vehicle with like 2 payments remaining, paid down a bunch of student loans, and TU and Equifax still showing all old balances from December.

Re: Credit report not updating

tcbofade — Sun, 02 Jun 2019 22:54:45 GMT

Hmmm. That sounds odd. Where are you getting your reports from?

Re: Credit report not updating

Anonymous — Sun, 02 Jun 2019 23:13:52 GMT

Getting report from Experian. Of the three they show, they are ones that I mentioned showing updated info.
Think it's possible everything is actually updated with Transunion and Equifax, but just not showing as such in Experian?
Any other reccomended for checking reports? I'd rather confirm info is accurate before applying for a mortgage.

Re: Credit report not updating

Anonymous — Sun, 02 Jun 2019 23:20:23 GMT

Nevermind, didnt realize this sit offers the service. I just thought was a forum. Gonna give it a shot.

Re: Credit report not updating

coreysw12 — Sun, 02 Jun 2019 23:52:00 GMT

MyFICO is the best site there is for getting accurate scores - right from the source, Fair Isaac Co! As an aside, they do also offer this forum

Re: Credit report not updating

Anonymous — Mon, 03 Jun 2019 00:46:00 GMT

@coreysw12 wrote:
MyFICO is the best site there is for getting accurate scores - right from the source, Fair Isaac Co! As an aside, they do also offer this forum

The three credit bureaus store consumers' credit data provided to them by lenders and other financial institutions. Fair Issac Corp. develops the algorithm(s) that analyze the data stored by each credit bureau, and translates that data into a numeric score. The algorithms are licensed by Fair Issac Corp to the credit bureaus for a fee.

But Fair Issac itself is not "the source" of credit scores; those originate with the credit bureaus based on the information in their databases, and Fair Issac is a reseller. The scores provided on this site as a paid service are no more accurate that those that can be obtained elsewhere, and often not as timely. Where the scores obtained here excel is that they are comprehensive.

Re: Credit report not updating

zerofire — Mon, 03 Jun 2019 00:50:58 GMT

@Anonymous wrote:
Getting report from Experian. Of the three they show, they are ones that I mentioned showing updated info.
Think it's possible everything is actually updated with Transunion and Equifax, but just not showing as such in Experian?
Any other reccomended for checking reports? I'd rather confirm info is accurate before applying for a mortgage.

Are you paying for an Experian subscription? The free tier only offers one Experian credit score and report per month. There is a 7-14 day trial which offers all three and that might be where you got your original reports and then switched to the free tier. Only the highest tiers offer all three over there and getting it from here is cheaper.

Re: Credit report not updating

Anonymous — Mon, 03 Jun 2019 01:15:54 GMT

@zerofire wrote:
@Anonymous wrote:
Getting report from Experian. Of the three they show, they are ones that I mentioned showing updated info.
Think it's possible everything is actually updated with Transunion and Equifax, but just not showing as such in Experian?
Any other reccomended for checking reports? I'd rather confirm info is accurate before applying for a mortgage.
Are you paying for an Experian subscription? The free tier only offers one Experian credit score and report per month. There is a 7-14 day trial which offers all three and that might be where you got your original reports and then switched to the free tier. Only the highest tiers offer all three over there and getting it from here is cheaper.

I subscribe to both the FICO Advanced plan offered by this site, and Experian CreditWorks Premium. Experian is definitely less expensive ($29.95 vs $24.99) and updates monthly compared to the quarterly credit report updates provided by the FICO Advanced plan.

Re: Credit report not updating

coreysw12 — Mon, 03 Jun 2019 01:42:54 GMT

@Anonymous wrote:
@zerofire wrote:
@Anonymous wrote:
Getting report from Experian. Of the three they show, they are ones that I mentioned showing updated info.
Think it's possible everything is actually updated with Transunion and Equifax, but just not showing as such in Experian?
Any other reccomended for checking reports? I'd rather confirm info is accurate before applying for a mortgage.
Are you paying for an Experian subscription? The free tier only offers one Experian credit score and report per month. There is a 7-14 day trial which offers all three and that might be where you got your original reports and then switched to the free tier. Only the highest tiers offer all three over there and getting it from here is cheaper.
I subscribe to both the FICO Advanced plan offered by this site, and Experian CreditWorks Premium. Experian is definitely less expensive ($29.95 vs $24.99) and updates monthly compared to the quarterly credit report updates provided by the FICO Advanced plan.

The downside being that you only get Fico8's from EQ and TU, and not the other 5 scores from each. I do the $39.99/mo plan with MF, and granted it's 160% the price, but it provides 140% as many scores. It all depends on what you need and what you're looking for. I got tired of piece-mealing my scores from a gazillion different websites, and decided it's worth a few extra bucks to just get them all in one place, but everyone's wants and needs are different which is why it's great that there are so many different options.

Re: Credit report not updating

Anonymous — Mon, 03 Jun 2019 10:25:50 GMT

@Anonymous wrote:
@zerofire wrote:
@Anonymous wrote:
Getting report from Experian. Of the three they show, they are ones that I mentioned showing updated info.
Think it's possible everything is actually updated with Transunion and Equifax, but just not showing as such in Experian?
Any other reccomended for checking reports? I'd rather confirm info is accurate before applying for a mortgage.
Are you paying for an Experian subscription? The free tier only offers one Experian credit score and report per month. There is a 7-14 day trial which offers all three and that might be where you got your original reports and then switched to the free tier. Only the highest tiers offer all three over there and getting it from here is cheaper.
I subscribe to both the FICO Advanced plan offered by this site, and Experian CreditWorks Premium. Experian is definitely less expensive ($29.95 vs $24.99) and updates monthly compared to the quarterly credit report updates provided by the FICO Advanced plan.

The Experian sub is actually $5 cheaper if you downgrade then use the app to do the upgrade, just FYI.

Bit weird that they don’t offer those prices on the website but whatever.