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When do credit reports update when it comes to 5/24

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red259
Super Contributor

When do credit reports update when it comes to 5/24

I should be dropping from 5/24 to 3/24. Technically I would have dropped down one level on 5/24 and another level on 5/31. I waited until 6/1 though for credit reports to update, because I think some only do it at start of month and not right away. My question is are these credit reports updated automatically so as soon as I hit june1st they all updated to show those accounts are now more than two years old or do I need to wait for the first business day of the month?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: When do credit reports update when it comes to 5/24

Message 2 of 7
thornback
Senior Contributor

Re: When do credit reports update when it comes to 5/24

Accounts age on the 1st of the month (and yes, the age is automatically updated on your reports).
Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 7
red259
Super Contributor

Re: When do credit reports update when it comes to 5/24

Darn, it looked like I messed up when I was looking at an old credit report. Apparently the screen I was looking at did not include cards that had been closed in the past two years. I'm still at 6/24 until early August which just sucks. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 4 of 7
tcbofade
Super Contributor

Re: When do credit reports update when it comes to 5/24


@red259 wrote:

Darn, it looked like I messed up when I was looking at an old credit report. Apparently the screen I was looking at did not include cards that had been closed in the past two years. I'm still at 6/24 until early August which just sucks. 


LOL.  For what it's worth, DW just picked up a CSP while WAY over 5/24.  She had a preapproval on her log in screen.  Are you looking for green checkmarks, etc?

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 5 of 7
red259
Super Contributor

Re: When do credit reports update when it comes to 5/24


@tcbofade wrote:

@red259 wrote:

Darn, it looked like I messed up when I was looking at an old credit report. Apparently the screen I was looking at did not include cards that had been closed in the past two years. I'm still at 6/24 until early August which just sucks. 


LOL.  For what it's worth, DW just picked up a CSP while WAY over 5/24.  She had a preapproval on her log in screen.  Are you looking for green checkmarks, etc?


Yes, I always check. My personal and business accounts are linked so for the longest time I was not receiving any offers. I have read that they fixed that but the only offers I get are for mortgages etc. I doubt I would get a CSP offer since I am an active CSR holder. I'm going to have to close my hyatt card this week because I want to pick up a new one down the line and I rarely use the card as is.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 6 of 7
Remedios
Credit Mentor

Re: When do credit reports update when it comes to 5/24


@red259 wrote:

Darn, it looked like I messed up when I was looking at an old credit report. Apparently the screen I was looking at did not include cards that had been closed in the past two years. I'm still at 6/24 until early August which just sucks. 


 


EX will list first of the month as opening date, but EQ and TU list the actual date card was opened. 

Wait till the following month to be on a safe side. 

Message 7 of 7
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