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In what order do your CRA reports update between EX, EQ and TU?

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CH-7-Mission-Accomplished
Valued Contributor

In what order do your CRA reports update between EX, EQ and TU?

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?

Message 1 of 11
10 REPLIES 10
DollyLama
Established Contributor

Re: In what order do your CRA reports update between EX, EQ and TU?

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. 

Message 2 of 11
Glen_M
Frequent Contributor

Re: In what order do your CRA reports update between EX, EQ and TU?

EX is always fastest.  TU is usually second, and occasionally EQ is week later than the others.



Message 3 of 11
Anonymous
Not applicable

Re: In what order do your CRA reports update between EX, EQ and TU?

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. 

Message 4 of 11
AverageJoesCredit
Legendary Contributor

Re: In what order do your CRA reports update between EX, EQ and TU?

I love Experian, always first. Not sure who does first between EQ and TU but TU can be slow as F...ICOSmiley Wink
Message 5 of 11
AverageJoesCredit
Legendary Contributor

Re: In what order do your CRA reports update between EX, EQ and TU?

I love Experian, always first. Not sure who does first between EQ and TU but TU can be slow as F...ICOSmiley Wink
Message 6 of 11
iv
Valued Contributor

Re: In what order do your CRA reports update between EX, EQ and TU?

TU is by far the slowest for me.  EQ/EX are usually fairly close together, but TU usually lags them by multiple days.

EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
Message 7 of 11
Anonymous
Not applicable

Re: In what order do your CRA reports update between EX, EQ and TU?

CH-7-Rebuilding your information exactly matches my findings over many years. Also, your observation on Transunion is confirmed from where I sit. Good info ... often wondered about this.
Message 8 of 11
MakingProgress
Senior Contributor

Re: In what order do your CRA reports update between EX, EQ and TU?

EX and EQ update first, and TU usually takes about 3-5 days longer for me. 

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Message 9 of 11
Anonymous
Not applicable

Re: In what order do your CRA reports update between EX, EQ and TU?

EX usually the very next day after statements cut, EQ a day sometimes 2 days after, TU the slowest another 2 days after that. This is based on having direct access to all three bureaus with daily report updates, not 3rd party monitoring services.
Message 10 of 11
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