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How much slower is TU?

expatCanuck
Super Contributor

How much slower is TU?

My new Cap One card is showing in my EQ & EX reports, but not TU.

Anyone have a sense of how long TU might lag behind?
Message 1 of 9
8 REPLIES 8
M_Smart007
Epic Contributor

Re: How much slower is TU?


@expatCanuck wrote:
My new Cap One card is showing in my EQ & EX reports, but not TU.

Anyone have a sense of how long TU might lag behind?

@expatCanuck A Day or two  .. usually

Message 2 of 9
Nomad3
Frequent Contributor

Re: How much slower is TU?

Using credit karma for basic monitoring I generally get updates to EQ first, then a week later on the next update TU matches EQ. So at most 7 days in my experience



Goal: Mortgage/Chase Trifecta






Message 3 of 9
M_Smart007
Epic Contributor

Re: How much slower is TU?


@Nomad3 wrote:
Using credit karma for basic monitoring I generally get updates to EQ first, then a week later on the next update TU matches EQ. So at most 7 days in my experience

keep in mind credit karma does not update everyday. I am using TU site directly. and normally see 2-3days.

Message 4 of 9
mikesonthemend
Valued Contributor

Re: How much slower is TU?

3 or 4 from myfico, a few days later than that on free sites.




Living through Darwinism is so much worse than learning about about it in school.
Message 5 of 9
Trudy
Valued Contributor

Re: How much slower is TU?


@M_Smart007 wrote:

@Nomad3 wrote:
Using credit karma for basic monitoring I generally get updates to EQ first, then a week later on the next update TU matches EQ. So at most 7 days in my experience

keep in mind credit karma does not update everyday. I am using TU site directly. and normally see 2-3days.


Now when it actually shows up on MyFICO, if you have a subscription, who knows.  

FICO - 8: 02/10/21 AU 8 BC 8
FICO - 9: 02/10/21 AU 9 BC 9
F5,F4,F2 02/10/21 AU... BC...
Vantage 02/10/21
As of 03/01/21:
AoOA - 25Y0M | AoYA – 0Y4M | AAoA – 11Y10M
Open: 11 CC: (1 reporting 17.22% : 0.48% AGG UTL) | 1 PLOC | 1 MTG loan: 66.74% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 2/24 | (EX) 1/24
Message 6 of 9
OmarGB9
Community Leader
Super Contributor

Re: How much slower is TU?

TU seems to lag at least a month behind for me...

Last App: 12/05/2020
NFCU MoreRewards Amex

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 7 of 9
Iusedtolurk
Established Contributor

Re: How much slower is TU?


@expatCanuck wrote:
My new Cap One card is showing in my EQ & EX reports, but not TU.

Anyone have a sense of how long TU might lag behind?

 

It has been my experience that Experian updates the next day after statement cuts 95% of the time and Transunion and Equifax usually a few days later (3-5) 95% of the time. I have several places that I check and this is what I usually find.

Message 8 of 9
tenaya
Frequent Contributor

Re: How much slower is TU?


@OmarGB9 wrote:
TU seems to lag at least a month behind for me...

TU was lagging so far behind me one time (on a change in my report that triggered 50-70 point gains in the other two bureaus), that I finally called in to ask about it. I think it was over a month and they just wouldn't update. Finally, TU updated. I do notice that they're usually the last to show a change.


Overstock $9,750, Walmart $2.5K, Discover IT Cash Back $2.4K, NFCU Flagship $5K (formerly CashRewards), Shell (Citi) $800, NFCU More Rewards $17K, AMEX Cash Magnet $1K, Citizens Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 700, EX 688   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal

Message 9 of 9
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