Credit Check Total

tussking · ‎01-26-2017

I have been happy so far going on 14+ months as a member. Until this month...I have noticed how **bleep** slow they are in updating my balances. In the past I would pay a card the statement would cut and within a few days it was updated on my report...Now sometimes a few weeks. Anyone else notice this BS ?

Discharged BK7 - 7.16.15
Current Fico8 - (8.2022) EX - 744/EQ - 728/TU - 740

Anonymous · ‎01-26-2017

I have not noticed the same issues and have been a member for about as long. The balance I leave for reporting is normally seen on the date the statement cuts.

909 · ‎01-26-2017

It seems I read a thread here recently where someone complained that myFico was slow to report relative to CCT. I'm not sure what our expectations should be. I get grumpy when itunes waits a day or two to email my receipt for a movie purchase, it seems like it should be instantaneous like so many other onli transactions.

The machinations of Creditor > CRB > aggregator seem complex and subject to all sorts of crossed wires and whatnot. I guess it's something that may take awhile sometimes.

Fico 8 Scores
7/2020: EQ - 842; TU - 832; EX - 848
10/2017: EQ - 823; TU - 835; EX - 824
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 670
5/2014: EQ - 653
11/2013: EQ - 645
05/2013: EQ - 656
11/2012: EQ - 646

Eight CCs ($179,500 CL, 0%-1% UTIL)
AoOA = 18.6 years, AAoA = 60 mos., AoYA = 18 mos.
One mortgage, one HELOC, no car loans.
Derogs from 2009 and 2010 now gone after 7 years. I started paying attention to credit scores in about 2014. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011

Anonymous · ‎01-26-2017

I have never seen an issue with this with CCT. I only use their $1 trial memberships, but everything is updated within 2 days or so it seems every time I check. I certainly hope that their trial memberships *gasp* don't outdo their real monthly memberships with respect to updating speed as well as it would just be another knock against their true memberships...