Transunion 9 months behind on new accounts?

[Juan123]

So i recently got the 3 in 1 monitoring fico service provided by equifax.

It doesnt show my scores right now because of some system malfunction but thats not the problem, the reports provided by them show this: .

Most Recent Account

GECRB/AMAZON PLCC (Opened 11/2011)

DSNB MACYS (Opened 03/2011)

GECRB/AMAZON (Opened 11/2011)

First being EQ, middle TU, last EX.

Uhm... why is TU not showing any of my recent cards?!?!?!?

On top of that, all 3 reports are showing old balances (from october) and shows my util at 68%!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! it's more like 28% right now!

when the scores show up, im no doubt going to be in for a sub 600 shocker.

edit: also. EQ shows a whopping 22 inquiries affecting my score.... even though half of them are over a year old >_<

[llecs]

I've used that service myself in the past. Once the scores do show, ignore them since they are not FICO scores. Ignore their advice too. However, the report info is great and IIRC, you can pull EQ whenever you want to.

Looks like the Amazon hasn't reported yet. It doesn't mean it's a month behind because the other two could have easily have reported in the past couple of weeks showing a Nov. open date. And that's assuming the Amazon reports to TU, which I'm guessing it does.

I would analyze each TL to see when they reported your CC balances. CCs update only 1x per month, but you should be seeing a Nov. update. I personally would pull TU directly from TU to make sure it is updating.

How long have you had EQ's service? If you had it prior to now, maybe TU didn't update, but EQ and EX did? That's happened to me a few times.

FICO doesn't list or score inquiries beyond a year old. I wouldn't worry about them.

[Juan123]

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@llecs wrote:

I've used that service myself in the past. Once the scores do show, ignore them since they are not FICO scores. Ignore their advice too. However, the report info is great and IIRC, you can pull EQ whenever you want to.

Looks like the Amazon hasn't reported yet. It doesn't mean it's a month behind because the other two could have easily have reported in the past couple of weeks showing a Nov. open date. And that's assuming the Amazon reports to TU, which I'm guessing it does.

I would analyze each TL to see when they reported your CC balances. CCs update only 1x per month, but you should be seeing a Nov. update. I personally would pull TU directly from TU to make sure it is updating.

How long have you had EQ's service? If you had it prior to now, maybe TU didn't update, but EQ and EX did? That's happened to me a few times.

FICO doesn't list or score inquiries beyond a year old. I wouldn't worry about them.

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well the service i got specifically says its a fico score..... and also the balances that are showing are for late october.. i paid off about half of what its showing in november...  guess ill have to wait till january and see what the december update shows me. i assume my newer cards that i opened in december won't show until january anyway.

i have this service:

http://www.equifax.com/web-myfico-products/

bottom left the 3 in 1 monitoring.

[llecs]

Ah...my bad. Apologies. I saw "scores" and had thought you had the Credit Complete product.

I have also used the same product you are using and it's a great way to pull your EQ FICO whenever you want.