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Here is my situation, I was late on a mortage payment a few months ago but I have since paid the late payment. I am trying to get a loan for a truck I want to purchase. I looked at my experian credit score yesterday and it showed the updated information with the up to date mortage. However when I pulled my trans union report it has not been updated with the new information. Should I wait until trans union is updated to apply for financing or does it not matter if trans union is updated as long as Experain is updated? Thanks for your help
Do you mean you were thirty days late, or just late enough to get a late payment charge? I guess either way. If the lender will only be pulling Experian then what's on the other two CRA does not matter.