Myfico credit report update

Anonymous · ‎08-06-2018

I have subscribed to the package that gets your credit report updated monthly and i was curious about something. My new report will be available on the 11th but my statement date on one of my credit cards is the 13th. If i were to wait until after the credit card reported my current credit utilization, would it be on the updated credit report for the date i click to update it or will it still pull the report from the 11th?

Thanks in advance.

Anonymous · ‎08-07-2018

Your question boils down to this.

I will be eligible for a new monthly report Aug 11. If I generate the report on (say) the 17th, will it be based on data from the 17th or the 11th?

If the report ends up being based on data from the 17th, in the example above, does that cause all reports after that to be generated on the 17th? (Sept 17, Oct 17, etc.) Or do they go back to the 11th?

Good questions, and customer service should know the answers.

PS. Assuming the CC you mention reports to the three bureaus on the 13th, it might be Aug 20 before the updated balance appears in all three bureaus. Perhaps even longer. Could be more like the 17th too.

Anonymous · ‎08-07-2018

That is essentially my question in a way that is easier to understand. I was not certain the best way to word it. Thank you.

dynamicvb · ‎08-07-2018

The date of your myfico subscription remains constant. Mine is on the 27th and I always get the option to generate a new report on that day. I do not always do it right away. For example. I know I should have a new card reporting any day now and I still have not generated my new report as I want to wait until I get a notification that an account was added to my FICO 8 scores. Once I get that on at least two if not three of the CRA's then I'm going to generate so I can see what happens to the other fico scores as a result. Regardless of the day, I generate for my report which I got on July 27th, the next one will be come available on Aug 27th. At least that is what happened last month. I'm not sure what would happen if I did not generate by 8/27 and another one dropped. Not sure if I would then have two in the bank or if I would lose one. Hopefully, this is clear.

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:

First Goal Score: 750+ Reached 3/2019

Next Goal all over 800

SouthJamaica · ‎08-07-2018

@Anonymous wrote:
I have subscribed to the package that gets your credit report updated monthly and i was curious about something. My new report will be available on the 11th but my statement date on one of my credit cards is the 13th. If i were to wait until after the credit card reported my current credit utilization, would it be on the updated credit report for the date i click to update it or will it still pull the report from the 11th?

Thanks in advance.

It will not pull the report from the 11th, it will pull the report from the date of the pull. I.e. you are eligible to redeem any time from the 11th on, but you can wait as much as 30 days and when you pull the report you will get the current information.