I would like this to. I have to go into the dispute portal to see my SPs and I'm running out of little things to dispute (name spelling, deletion of an old phone number). I notice every few months a JDB and sometimes a company with very little information available online shows up as a SP inquirer. A
They're getting more frequent these last few months. I think I'm being watched!
They're getting more frequent these last few months. I think I'm being watched!
@Anonymous wrote:
@takeshi74 wrote:It seems rare that SP's are provided with services. Typically you'd need to pull directly from the CRA.
ya, but I also want a instant update on changes. Not like some places, where it takes 3 days to receive an update. When you know it was reported days ago.
It takes the bureaus multiple days (sometimes a week) to update their database after a lender reports.
Can't fault the monitoring solutions on this one honestly. If you don't believe me look at the daily snapshots of any of the 3 base reports, then when you do get an update, look at the reporting date. It won't be today's date almost assuredly.
@Anonymous wrote:@Revelate wrote:
It takes the bureaus multiple days (sometimes a week) to update their database after a lender reports...and sometimes longer than that. TU is 15 days overdue reporting an update for me. It can make it difficult to do point-in-time comparisons.
The CRAs immediately record inquiries - at least HP, but I would assume SP too. They should really leverage push notifications on their own services since they have a unique ability to do so.
Yeah I've heard 15 days as well, though I see squirrelly things all the time: I have two accounts which report end of month, why did one make it in 3 days and the other take 8 presumably if they all went through the same batch process? Or was there something delayed at the lender end? Hard to know.
In theory the number of balance updates should dwarve the number of inquiries by likely many orders of magnitude, so they can do a more real-time process there without crushing the system. It's also likely an easier INSERT query which just throws a new inquiry into the table, rather than the more compute intensive UPDATE which is going to have additional criteria beyond SSN or address match to handle.