Glad I pulled multiple credit reports

Anonymous · ‎07-15-2014

So I plan to have an app spree this month and I've been monitoring my UTIL through Credit Karma. I know that CK grabs their information from TransUnion and for me it updates every Tuesday of the month. Unfortunately, when CK supposedly "updated" it still showed a UTIL of 69% so I just had to know, was it CK or TU that was causing the delays in updates.

Knowing that my future cards like to pull EX and TU, I went ahead and bought an EX credit report and there were no flaws and UTIL was reported at 9%. So then I told myself its probably a good time to use one of my free credit reports this year and check on my TU. To my dismay, it seems that TU, not CK, were the ones slowing things down and still had my old UTIL of 69%

I'd rather not buy another credit report this month and I was wondering if I can reliably rely on Credit Karma to update me when TU posts my new UTIL?

MT936 · ‎07-15-2014

Credit karma is horrible for me when it comes to reported usage I wouldn't trust it

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Anonymous · ‎07-15-2014

@MT936 wrote:
Credit karma is horrible for me when it comes to reported usage I wouldn't trust it

poo, that sucks to hear. I may just wait till CK updates and then buy another TU credit report to double check.

One7 · ‎07-15-2014

TU is generally the slowest to update and for me they usually update around 7 days after EX and EQ. It sucks I know. Good luck

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////

Bman70 · ‎07-15-2014

Yes TU lags behind the others significantly.. To the extent I just got tired of it and applied for my Cash+ even before my new lower util reported.

EX 822
TU 834
EQ 820

Closingracer99 · ‎07-15-2014

@MT936 wrote:
Credit karma is horrible for me when it comes to reported usage I wouldn't trust it

It is pretty accurate for my util %

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

-Wade- · ‎07-15-2014

@Closingracer99 wrote:
@MT936 wrote:
Credit karma is horrible for me when it comes to reported usage I wouldn't trust it
It is pretty accurate for my util %

DITTO, if you know what all your bal's are then you can tell when it updates on TU by using CK

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

heyarrnold · ‎07-15-2014

It's also quite accurate for me. As others have mentioned, TU lags behind the other two bureaus.

One7 · ‎07-16-2014

@Bman70 wrote:
Yes TU lags behind the others significantly.. To the extent I just got tired of it and applied for my Cash+ even before my new lower util reported.

Done that a couple times. I'm very impatient

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////

takeshi74 · ‎07-16-2014

@Anonymous wrote:
Unfortunately, when CK supposedly "updated" it still showed a UTIL of 69% so I just had to know, was it CK or TU that was causing the delays in updates.

CK provides whatever is in your TU report. As others have indicated. TU tends to be slow to update. When TU updates CK will update.