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How much slower is TU?

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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?
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Mega 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
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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
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Mega 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
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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
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Established 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: 08/09/20 AU 8 BC 8
FICO - 9: 08/09/20 AU 9 BC 9
F5,F4,F2 08/09/20 AU... BC...
Vantage 08/05/20
AoOA - 24Y5M | AoYA – 0Y11M | AAoA – 12Y1M (EQ), 12Y0M (EX & TU)
Open: 10 CC: 1 reporting 1.90% - 0.50% AGG UTL | 1 PLOC | 1 MTG loan: 78.15% UTL | 1 Auto loan: 3.59% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/12 & 2/24
Message 6 of 9
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Senior Contributor

Re: How much slower is TU?

TU seems to lag at least a month behind for me...
Currently rebuilding as of 04/11/2019.

Starting Scores:
EX 518
EQ 518
TU 521

Current FICO scores:
EX 622
EQ 569
TU 613
Message 7 of 9
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Frequent 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
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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.

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: May 3, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000AMEX Cash Magnet, $1000Citizens Bank, $2,800Amazon Prime Store Card, 1700Cap1 QS, $1000FBNO Visa, $1600RIP Green Dot Platinum
Overstock $7,750, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, AMEX Cash Magnet $1000, Citizens Bank Cash Back $2,800, Amazon Store Card $1700, Cap1 QS $1000, FBNO Visa $1600, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 678
Goal Score: 760


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