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How do I request a FICO score so mine updates?
You can create a login for all three credit bureaus for free, to see what information they have on you currently. If you hold a credit card of any type, their website will also offer you their free version of your score.
Fortunately, scoring isn't only black and white. What one site states and another offers, is only a blip in the overall reading. The more information that becomes available, the more likely accurate the overall picture.
If you hold credit of any kind, you should always be reporting.