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Any ideas why WalletHub TU would update faster than Transunion site?

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KnowledgeSeekr
New Contributor

Any ideas why WalletHub TU would update faster than Transunion site?

A 0% balance transfer posted on my WalletHub account but when I pulled my credit directly from Transunion's website it still wasn't showing. Doesn't make any sense to why that would be? Was planning on finishing an app spree with a TU application but the balance on WalletHub dropped my score. I'm assuming if it's showing on WalletHub then good chance it will show up if a lender does a HP?

Message 1 of 6
5 REPLIES 5
GZG
Valued Contributor

Re: Any ideas why WalletHub TU would update faster than Transunion site?


@KnowledgeSeekr wrote:

A 0% balance transfer posted on my WalletHub account but when I pulled my credit directly from Transunion's website it still wasn't showing. Doesn't make any sense to why that would be? Was planning on finishing an app spree with a TU application but the balance on WalletHub dropped my score. I'm assuming if it's showing on WalletHub then good chance it will show up if a lender does a HP?


When you mean TU's site, do you mean their like monitoring service? 

 

You should be able to pull a fresh TU report every 24 hours through their service center, I would use that. 

https://service.transunion.com/dss/disclosure.page? 

 

If it says: 

 

image.png\

 

You'll need to wait 24 hours from when you last requested your report to get a fresh, new one. 

 

If not, pull it, and you'll get your most up to date report. Free of charge.

 

Wallethub/Credit Seasme updates are near instantous to changes in your file.

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 2 of 6
KnowledgeSeekr
New Contributor

Re: Any ideas why WalletHub TU would update faster than Transunion site?


@GZG wrote:

@KnowledgeSeekr wrote:

A 0% balance transfer posted on my WalletHub account but when I pulled my credit directly from Transunion's website it still wasn't showing. Doesn't make any sense to why that would be? Was planning on finishing an app spree with a TU application but the balance on WalletHub dropped my score. I'm assuming if it's showing on WalletHub then good chance it will show up if a lender does a HP?


When you mean TU's site, do you mean their like monitoring service? 

 

You should be able to pull a fresh TU report every 24 hours through their service center, I would use that. 

 

If it says: 

 

image.png\

 

You'll need to wait 24 hours from when you last requested your report to get a fresh, new one. 

 

If not, pull it, and you'll get your most up to date report. Free of charge.

 

Wallethub/Credit Seasme updates are near instantous to changes in your file.


Yes, I pulled my Transunion report directly from Transunion like you have above after I saw the balance reported on WalletHub and the balance was not showing on Transunion. 

Message 3 of 6
GZG
Valued Contributor

Re: Any ideas why WalletHub TU would update faster than Transunion site?


@KnowledgeSeekr wrote:

@GZG wrote:

@KnowledgeSeekr wrote:

A 0% balance transfer posted on my WalletHub account but when I pulled my credit directly from Transunion's website it still wasn't showing. Doesn't make any sense to why that would be? Was planning on finishing an app spree with a TU application but the balance on WalletHub dropped my score. I'm assuming if it's showing on WalletHub then good chance it will show up if a lender does a HP?


When you mean TU's site, do you mean their like monitoring service? 

 

You should be able to pull a fresh TU report every 24 hours through their service center, I would use that. 

 

If it says: 

 

image.png\

 

You'll need to wait 24 hours from when you last requested your report to get a fresh, new one. 

 

If not, pull it, and you'll get your most up to date report. Free of charge.

 

Wallethub/Credit Seasme updates are near instantous to changes in your file.


Yes, I pulled my Transunion report directly from Transunion like you have above after I saw the balance reported on WalletHub and the balance was not showing on Transunion. 


Try pulling a new report when it's avaiaible. Perhaps pull your weekly report on https://www.annualcreditreport.com/ to see if it's reflected yet. 

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 4 of 6
805orbust
Valued Contributor

Re: Any ideas why WalletHub TU would update faster than Transunion site?

It's the same situation with MyFico. Updates are SLOOOOOOW!! Everyone updates their info quicker... which makes no sense because...



Message 5 of 6
SUPERSQUID
Valued Contributor

Re: Any ideas why WalletHub TU would update faster than Transunion site?


@KnowledgeSeekr wrote:

A 0% balance transfer posted on my WalletHub account but when I pulled my credit directly from Transunion's website it still wasn't showing. Doesn't make any sense to why that would be? Was planning on finishing an app spree with a TU application but the balance on WalletHub dropped my score. I'm assuming if it's showing on WalletHub then good chance it will show up if a lender does a HP?


For what its worth wallethub always emails me alerts way ahead of others like credit sesame, ck, etc

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