3B collections doesn't match

[Anonymous]

Newbie here, I searched for the answer but didn't see it here. 

I disputed two collections on the EQ report, a credit card that was charged off and a medical debt from 5 years ago. I checked on annualcreditreport.com on June 10th and my EQ report is only showing the medical debt. The 3B report from here is showing two accounts in collections, so I am wondering if mifico doesn't have current information? Is it possible that the credit card doesn't show on my credit report online through annualcreditreport.com while it is being investigated?

My EQ FICO 8 score is 30 points lower from the other 2 bureaus and I am hoping it needs to 'catch up' or update. The auto dealership I talking to said they use EQ Auto score so I am really hoping that my EQ score gets up around 700 like my Transunion and Experian is. Also does myfico update the scores daily or do I have to wait 30 days to see new scores?

I've worked my way up from a 520 score about 14 months ago because I knew my car was on its last legs. It's a 2000 Maxima. I was so happy to see scores around 700. It's refreshing to see other people driven to improve their credit score like you all are. I know my wife is SICK of hearing me talk about my credit score and this and that lol. Anyway, Thanks!

[PicoFico]

Was your 3B report pulled before or after the annualcreditreport?

[Anonymous]

Hi. Thanks for replying. I pulled the 3b report today. The annualcreditreport.com report was pulled on the 10th. 

[PicoFico]

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@Anonymous wrote:

Hi. Thanks for replying. I pulled the 3b report today. The annualcreditreport.com report was pulled on the 10th. 

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I wasn't expecting that answer! Thought for sure you were going to say before and we could just chalk it up to lagging behind. 

Being a new week can you pull annualcreditreport again or does it have to be a full 7 days from last pull?

[Anonymous]

I tried to pull a fresh report but I have to wait. I guess that's all I can really do. 

[PicoFico]

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@Anonymous wrote:

I tried to pull a fresh report but I have to wait. I guess that's all I can really do. 

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Update us when you can get another report and welcome to the forums!!

[Anonymous]

Does myFICO update during the month as new scores come out or only once a month?

[PicoFico]

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@Anonymous wrote:

Does myFICO update during the month as new scores come out or only once a month?

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I can only speak to my experiences and in the last month or two, working through disputes, I have done a 3B pull a few times and all changes were there each time.

So they update on pull or I have impeccable timing.

[PicoFico]

While you're waiting for annualcreditreport to reset you could try a myEquifax account here and also if you don't have credit karma you could look there to view EQ too.

[Anonymous]

Odd. I signed up for myEquifax and pulled a credit report, just now. Under collections it shows just the medical debt from 5 years ago.