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I use this site for my reports. I see one problem. I had a high util 85% when I joined. I have paid it down since every month
The report uses 1 28 2016 as the last util date. That is 2 months....
Is this normal? To be 2 months late.
The report that comes with the myFICO 3B Ultimate Monitoring product is updated every 90 days (quarterly). See here for more details about what you are getting:
http://www.myfico.com/Products/Products.aspx
If you would like a free tool that will give you your Equifax and TransUnion reports as often as once a week, try Credit Karma. CK's scores and advice are not FICO based, and therefore many people ignore that part. But it's a great deal for the reports.
Thanks Creditguy !!