Experian Reporting Question and Transunion Reporting Question

[Anonymous]

I'm aware that Experian does not offer credit reports to the public anymore. I'm using truecredit just to get a more in depth analysis of my credit (I'm not using the scores, I'm aware they are FAKOs).

My question being, if TU and EQ updated my file that I have a student loan deferment, and erased all the lates since it was a retro-active deferment, why hasn't EX? It still shows lates on EX, should I dispute this? 

Secondly, according to the site, TU has everything 'okay' now instead of their being lates. Any idea why my quarterly monitoring (TU) hasn't updated quite as fast as my score watch (EQ)? I'm sort of confused how the FAKO site can report faster than the quarterly monitoring!

Edited to add more content/change title.

Message Edited by tullz85 on 04-20-2009 01:22 PM

[Anonymous]

EX still offers reports......just not FICO scores.

How long since TU and EQ updated?

Have you pulled a new EX report to see they haven't updated?

The TU quarterly monitoring only shows you updates every 3 months. It also doesn't alert you to changes in your score as they occur like SW does.

[Anonymous]

Correct - I have the truecredit just to monitor changes that I just started today.. I'm not sure if I should dispute through EX

EQ - Updated within the last wee.

TU - it shows the image below on the 'status' screen, but on the details page it says "OK" on everything. Kind of confused if I'm getting dinged yet..!

    10/2006 $2,898 90 days past due

Message Edited by tullz85 on 04-20-2009 02:44 PM

[Anonymous]

Are you talking about a TU report from this website?

What status screen are you referring to? Page 4 of your report?

[Anonymous]

Correct on both parts!