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Just curious. For the last four years tracking as new information updates to my CRA reports, mine have always followed this pattern:
1. Experian always reports/updates first.
2. Equifax always reports/updates second.
3. Transunion always reports last and often by up to five days after Experian.
Do you all have the same experience? I'm assuming that the credit card companies send out their batches of information electronically to the CRA's and it's up to the CRA's to get that data input into individual people's files.
Is this your experience? Any insights?
EX and EQ usually report the same time, maybe in the morning the other late afternoon, maybe a day. TU reports up to 3 days later for me. Inquiries aging off I think TU went first there with the year account age.
EX is always fastest. TU is usually second, and occasionally EQ is week later than the others.
I've never noticed there to be a significant difference between the 3. It's rare that I've noticed a change on 1 bureau that I haven't seen on the other 2.
TU is by far the slowest for me. EQ/EX are usually fairly close together, but TU usually lags them by multiple days.
EX and EQ update first, and TU usually takes about 3-5 days longer for me.