How to correct wrong utilization? Or is it even worth the bother?

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:

That information on those screens only updates when you pull a new report. It should say the date "As of..." which will be the date if your last report. Only the FICO 8 score in your dashboard will update as changes are actually reported.

For example, my Amount of Debt screen says "As of Aug 16, 2016" (when my last report was pulled). However I have had changes and score updates as of Sept 6 on the dashboard.

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+1

Good point

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+1+1 Also, what SouthJamaica said about when the financial institutions report. I am currently waiting for my last payments to report because my utilization will be 1%. Only a portion of the accounts have reported so I still show 7%. Be sure to pay down before your statement cuts.

[Jensen]

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@Anonymous wrote:

That information on those screens only updates when you pull a new report. It should say the date "As of..." which will be the date if your last report. Only the FICO 8 score in your dashboard will update as changes are actually reported.

For example, my Amount of Debt screen says "As of Aug 16, 2016" (when my last report was pulled). However I have had changes and score updates as of Sept 6 on the dashboard.

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 Can't believe I missed that!

Top-right in feint numbers it says "As of 3/8/2016." So, the data is 6 months old. 

My next available report with the subscription is 9/20. So, I'll be sure to jump on that and see how it updates.

Thanks to all for your replies and suggestions. Very much appreciated.