Equifax has reported since August

Anonymous · ‎10-30-2018

My Experian and TransUnion score is steadily improving, 648 per Myfico. Even so, Experian hasn't reported in over a month (623) and Equifax (602) hasn't reported since mid-August. TransUnion has be regularly updating and my score is steadily climbing. Why the delay by the other two?

Queen_Etherea · ‎10-31-2018

@Anonymous wrote:
My Experian and TransUnion score is steadily improving, 648 per Myfico. Even so, Experian hasn't reported in over a month (623) and Equifax (602) hasn't reported since mid-August. TransUnion has be regularly updating and my score is steadily climbing. Why the delay by the other two?

I have the same issue with EQ on my PenFed account. It hasn't updated in months. I was told by the customer service rep on the phone what my score was when I applied, though.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.

Wells Fargo Platinum: 3/17 : $1,900 (Unsecured 12/1/2018 w/CLI)

American Express Blue Cash Everyday: 9/18 : $2,000

American Express Blue Cash Preferred: 12/18 : $10,000

American Express Everyday Preferred: 1/19 : CLOSED

PayPal MC 2% : 09/18 : Closed by Synchony

PenFed Power Cash Rewards : 10/18 : (Merged with Gold) $16,000

Synchrony – Amazon Prime Store Card : 9/18 : Closed by Synchrony

Synchrony – PayPal Credit : Closed by Synchrony

Comenity – Ulta Beauty Store Card : 3/19 : $5,000

Comenity – Express Next Store Card : $5,000 [AU]

Goldman Sachs – Apple Card : 08/19 : $15,000

Wells Fargo PLOC: 3/19 : PAID OFF $5,000

Honda Financial Services : 10/18 : $15K 7.35%

Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)

RobertEG · ‎10-31-2018

It could be either that the furnisher of the information to the CRA (i.e. the creditor or debt collector) has not filed updated reporting with the CRA, or that the CRA has received updates, but for some admin reason has delayed in the posting to your credit file/report.

Furnishers will often swear that they have filed updated reporting with the CRAs when they, in fact, have not done so.

You can contact either or both the furnisher to see if they have made updated reporting, and the CRA to determine if they have received it.