In anticipation of applying for a refi this week, I paid off a credit card with a $5K balance with my credit union. They religiously report to the bureaus on the 31st of every month. Due to interest posting, I had a balance of $40. It updated on EQ and TU on the 2nd, but not on EX. I used the 7 day trial to log directly onto EX, no update there either. I called customer service. A guy with a snotty attitude told me my creditor had not sent the update, if they had they would've updated it. He instructed me to call my CU. I called the CU and spoke to the manager responsible for sending updates to the CRAs she assured me it was sent, but offered to send to again. She even let me pay off the $40 balance so the update would show a zero balance AND sent the update to all 3 bureaus. Once again, EQ and TU updated, EX did not. I am at my wit's end here. Paying off that card got me the 740 (actually 768) mortgage score I need from EQ. TU is too low at 726 due to an old baddie that was paid but hasn't fallen off yet, so I really need that EX score to come through. It should be about the same as EQ. Any ideas what I should do?? The one person I've dealt with at EX was completely unhelpful. Appreciate any advice.
