Is this normal? Transunion s-l-o-w to update, only gets partial details.

[Anonymous]

I just paid off a big debt (settled with BofA) which caused a nice FICO point jump (approx 60-70 points) in both Equifax and Experian. EQ and EX both report the much lower debt and the settlement. They also report a new Green Dot secured card.

Transunion has finally caught up with the Green Dot card but still hasn't reported the paid off debt/settlement. (It still lists me as having that huge debt and lists the CC as being "late.") TU's FICO score is significantly lower than EQ and EX, but the weird thing is that TU's FAKO score has taken a big jump (about 70-something points). I've been getting all sorts of alerts from my various freebie credit reporting accounts that use FAKO, telling me about TU's fabulous point jump. 

But yet the FICO doesn't budge. It hasn't been too long yet (probably 4 days) but I just wonder, how long is this supposed to take? It also seems weird that FAKO reports this huge point jump (higher a jump than I think is warranted for the mere addition of a new little credit card) but yet the big debt still is reporting on TU. 

Thanks for any insight you can give me!

[Anonymous]

What is your FICO score source?  If it's something like MF, your scores I believe only update when there's an alertable event, or once every 30-90 days or whatever.  A negative item falling off likely isn't an alertable event, so maybe it's already gone and you just don't know it.  Since it's your TU report in question, take a look at your TU report.  You can see this on Credit Karma for free, or WalletHub gives daily updates to your TU report.  By checking it there, you'll know if that account is still present/dirty or not.  If it's clean/gone, feel free to do a $1 trial at Credit Check Total to grab your 3 FICO 8 scores and you'll get to see what your new TU FICO 8 score is without that negative being factored in.

[Anonymous]

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@Anonymous wrote:

What is your FICO score source?  If it's something like MF, your scores I believe only update when there's an alertable event, or once every 30-90 days or whatever.  A negative item falling off likely isn't an alertable event, so maybe it's already gone and you just don't know it.  Since it's your TU report in question, take a look at your TU report.  You can see this on Credit Karma for free, or WalletHub gives daily updates to your TU report.  By checking it there, you'll know if that account is still present/dirty or not.  If it's clean/gone, feel free to do a $1 trial at Credit Check Total to grab your 3 FICO 8 scores and you'll get to see what your new TU FICO 8 score is without that negative being factored in.

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Thanks for your comment. I've been using CreditCheckTotal for FICO. On my second $1 trial (they extended it). TU is still not showing the lowered debt. CreditCheckTotal updated the FICOs for EQ and EX soon enough (with point jumps in response to the removed debt), but TU is just staying put and the debt still shows. (Also, I think it lost a point during one of the FICO score refreshes! LOL!) I'm also on a trial for one of Experian's services (so I'm getting FICOs there) and it's the same thing there.

My FAKO sources (Credit Karma, Wallet Hub) all show TU with the same debt, even though the report has been updated. There are alerts for this 70-point FAKO jump in TU, as well as the update over the new Green Dot card (which reported on EQ and EX after the debt was reported down—so I consider the Green Dot update "newer" than the debt removal). It's just so weird. 

[Anonymous]

It does does then like TU is lagging behind the other 2B for you regarding this account.  If you did a CCT $1 trial, that report/score pull is time-stamped at that exact moment.  If the account looks correct on EX/EQ (updated) but not on TU, it just means TU is dragging their feet a bit as you stated in your thread title here.  I would think it wouldn't be more than a few days, unless there's another issue going on and the reporting didn't go through with TU for whatever reason.

An example of this which is certainly not common involves a suffix on my name.  My Citi card account hasn't updated on my TU report since August, where Sept/Oct/Nov updates showed up on EX/EQ like clockwork.  This isn't because Citi hasn't been sending updates to TU, nor is it because TU isn't updating, it's simply because due to the suffix on my name the data isn't jiving correctly.  Citi is working on fixing this.  I just provide this as a random example (I'm sure there are others) as to why an account may not update as expected.

[Anonymous]

TU is always late and the slowest for me, they were more than a week behind the reporting of 2 collection removals in 2017 that shot up my scores to 800+, I was in the middle of a week long recon of a Chase Ink Cash denial, since they pulled TU on the original app we were waiting for TU to update so they can re-pull, the update never came in time. I was lucky the conversation with the 3rd LO on the 3rd recon call became friendly and she decided to recommend approval with minimum 5k SL where it still stand today because I won't HP for CLIs, I suspect my SL would have been in 5 figures had TU updated in time.

[RonM21]

My experience is that in most cases, TU is the last to update new information. I have no clue why that is. Even right now, I am dealing with an issue with Penfed (I have a post on it) and EXP and EQ have updated to what the status is now, but TU has been quiet so far. I will say there have been very sparingly random times when TU updates as quickly as the others.

[Anonymous]

Thanks so much, guys. This is reassuring. I am not in urgent need of an updated TU score—I just want it to update eventually!

This is what is getting me to wonder. It seems the reports are a little wonky for everyone. I was getting a graph on my (paid trial) Experian account that showed my debt paid off (it's not all gone, just the majority of it), days before the new report came out and the score went up. There was no "alert" anywhere (on the FAKO sites, on CreditCheckTotal, on Experian) that the debt was paid off. No hint. Just this graph:

Now I'm getting these mysterious FAKO point jumps even though nothing noteworthy has happened except for a Green Dot card opening (with a modest $200 limit).

I don't know enough about FAKO—maybe a new card opening does typically cause this kind of jump. I have had some dramatic ups and downs in my TU FAKO. But losing several longstanding CCs (BofA closed them after one of them had a late) didn't make my score suddenly go down 74 points; yet one little Green Dot card makes it go up that much?

It's just so weird. I'm new to this, so what do I know? I'll just wait it out. Thanks again everyone for your information.

[Anonymous]

TU still has not updated with the new information. How long should I wait before I start to get antsy? (I'm already antsy!) It's been about 11 days since the updates first hit Experian (and then Equifax a few days later).

[Anonymous]

No need to get antsy, try not to worry about things that are out of your control, TU will report soon.

[Anonymous]

Thanks! This is all new to me so I guess I wanted reassurance!