3B report update question

Anonymous · ‎03-24-2016

Say for example my quarterly 3B report is eligible for updating on March 23. I have a few balances that have recently been paid off which will be reporting to the CRAs n the days following the 23rd. I want my 3B report to reflect those changes. If I were to wait until after those changes have posted on my credit reports so I wait till say March 27th before pulling the trigger and updating my 3B, would it update to show data as it is on March 27th, or would it be a snapshot of my reports on March 23rd?

NRB525 · ‎03-24-2016

It will wait until you decide you want to "pull" the 3B report, then it will get the data as of that date. I waited like that for my January report, just to see if it would wait, and yes, it is as of the date you choose to get the report.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

SouthJamaica · ‎03-25-2016

@NRB525 wrote:
It will wait until you decide you want to "pull" the 3B report, then it will get the data as of that date. I waited like that for my January report, just to see if it would wait, and yes, it is as of the date you choose to get the report.

Wow thank you for that information NRB. I had no idea was the case. I thought if it was available March 18th, all I would get was the report as of March 18th regardless of when I downloaded it.

Wish I'd known that sooner, but glad I know it now.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

Anonymous · ‎03-26-2016

@NRB525 wrote:
It will wait until you decide you want to "pull" the 3B report, then it will get the data as of that date. I waited like that for my January report, just to see if it would wait, and yes, it is as of the date you choose to get the report.

Thank you! I was hoping that to be the case. I've rebuilt, pretty much got my card line-up set, utilization optimized and will garden till September when it's time for a new vehicle. I wanted my 3B to be as reflective of everything being set as possible.