topic Re: trying to do AZEO but some balances haven't updated since May , what should I do in General Credit Topics

trying to do AZEO but some balances haven't updated since May , what should I do

mfinsmi1 — Sat, 16 Jul 2022 15:47:38 GMT

So I have acheived the AZEO withonly one card having a balance unfortunatly EQ and EX are not reporting this correctly. I have called the creditors and they each have said they report monthly that it must be a CRA issue - do i just patiently wait and hope itll update at some point or put in a disptue to correct the balances since its been a couple months ?

Re: trying to do AZEO but some balances haven't updated since May , what should I do

OmarGB9 — Sat, 16 Jul 2022 15:52:23 GMT

Dispute the incorrect balances.

Re: trying to do AZEO but some balances haven't updated since May , what should I do

SouthJamaica — Sat, 16 Jul 2022 17:18:36 GMT

@mfinsmi1 wrote:
So I have acheived the AZEO withonly one card having a balance unfortunatly EQ and EX are not reporting this correctly. I have called the creditors and they each have said they report monthly that it must be a CRA issue - do i just patiently wait and hope itll update at some point or put in a disptue to correct the balances since its been a couple months ?

Where are you getting the reports from?

Re: trying to do AZEO but some balances haven't updated since May , what should I do

mfinsmi1 — Sat, 16 Jul 2022 17:21:16 GMT

@SouthJamaica from myfico

Re: trying to do AZEO but some balances haven't updated since May , what should I do

SouthJamaica — Sat, 16 Jul 2022 17:41:12 GMT

@mfinsmi1 wrote:
@SouthJamaica from myfico

You pulled the updated 3 bureau report from MyFICO and it didn't have the correct balances??? That's odd.

What is the date for "Last updated"?

Re: trying to do AZEO but some balances haven't updated since May , what should I do

mfinsmi1 — Sat, 16 Jul 2022 17:51:24 GMT

@SouthJamaica wrote:
@mfinsmi1 wrote:
@SouthJamaica from myfico
You pulled the updated 3 bureau report from MyFICO and it didn't have the correct balances??? That's odd.

What is the date for "Last updated"?

so let me clarify - EQUIFAX hasnt updated my payment or balance since May for one of my cards and Experian hasnt updated my payment or balance since May for another card - the report was pulled last week from myfico , where Transunion has everything correct and updated. So for some reason EQ and EX are either really behind to update some accounts or something is not right. I have another issue with Experian reporting an open account with no status which is affecting my AAOA and Utilization - thats a whole other issue though.

Re: trying to do AZEO but some balances haven't updated since May , what should I do

SouthJamaica — Sat, 16 Jul 2022 18:44:17 GMT

@mfinsmi1 wrote:
@SouthJamaica wrote:
@mfinsmi1 wrote:
@SouthJamaica from myfico
You pulled the updated 3 bureau report from MyFICO and it didn't have the correct balances??? That's odd.

What is the date for "Last updated"?
so let me clarify - EQUIFAX hasnt updated my payment or balance since May for one of my cards and Experian hasnt updated my payment or balance since May for another card - the report was pulled last week from myfico , where Transunion has everything correct and updated. So for some reason EQ and EX are either really behind to update some accounts or something is not right. I have another issue with Experian reporting an open account with no status which is affecting my AAOA and Utilization - thats a whole other issue though.

Then the only thing you can do is file a dispute for each, which will probably be a waste of time, because it will probably take a month to work itself out, by which time it probably would have been corrected in the ordinary course.

Re: trying to do AZEO but some balances haven't updated since May , what should I do

Anonymous — Sat, 16 Jul 2022 18:55:19 GMT

@mfinsmi1 Fortunately I have not run into this issue. Perhaps waiting is all that can be done for now; but once credit reports are finally updated, maybe considering using a different and more reliable card every month for AZEO would remedy this.

Re: trying to do AZEO but some balances haven't updated since May , what should I do

mfinsmi1 — Sat, 16 Jul 2022 18:56:42 GMT

@Anonymous i agree - last month i paid all my subprime cards that are still open down to 0 - its these one that are having the issues of course haha - ill never be using these cards ever again so yeah maybe i just wait it out and then not have to worry about it ever again

Re: trying to do AZEO but some balances haven't updated since May , what should I do

Anonymous — Sat, 16 Jul 2022 18:58:51 GMT

@mfinsmi1 Roger that. I believe I would do the same.