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Will Pulling 3b CRs Update Score?

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AvadaKedavra
Established Contributor

Will Pulling 3b CRs Update Score?

Like many others, I've been experiencing issues with 3B Credit Mointoring product. For example, my Merrick Bank TU Fico was updated on September 16th as 716 yet myFico hasn't updated since Septermber 12th with a score of 704. I imagine my other scores aren't up to date either.

 

I was considering pulling my reports again and I'm wondering if I do that will it automatically update any scores that aren't udpated on my dashoboard. Anyone experience this?

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JLK93
Established Contributor

Re: Will Pulling 3b CRs Update Score?

Yes, pulling your reports will update your scores. That would be an expensive way to update your scores. IIRC, Merrick Bank provides a TU 08 Bankcard Enhanced scores. It will not be the same as the Myfico score.

 

In the last couple of days there has been an improvement to TU alerts. TU alerts will now be issued every time there is a change in the total balances on your credit cards. There will be an updated score with each alert.

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EW800
Valued Contributor

Re: Will Pulling 3b CRs Update Score?


@oilcan12 wrote:

Yes, pulling your reports will update your scores. That would be an expensive way to update your scores. IIRC, Merrick Bank provides a TU 08 Bankcard Enhanced scores. It will not be the same as the Myfico score.

 

In the last couple of days there has been an improvement to TU alerts. TU alerts will now be issued every time there is a change in the total balances on your credit cards. There will be an updated score with each alert.


Hopefully this TU change will enable/force our TU scores to update more often. 

And hopefully something will enable Experian scores to update more often as well.  

I had three alerts this morning, but regretfully and as expected, they were all Equifax.  

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
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