how to be sure I am getting most current FICO info

[mt2va]

I've got 2 new TL reporting on my EQ (well probably all 3 but my EQ is my best report) which will lower my utilization big time.  I want to check my FICO score but I want to make sure I'm getting accurate info.  In the past when I've ordered from this website (myfico.com) the info I received didn't include the most accurate info from the CRA.  But if I get it from elsewhere its a FAKO score, right?? 

This is so confusing for me.  I worry that lenders are not getting the most up to date info either.  I was denied overdraft for a checking account a couple months back based on my EQ report & they stated it was due to collections & judgements on my report but they were not on my EQ at the time.  But I'm wondering if they weren't updated wherever the bank pulled my EQ report from.  (when they got my FICO score)

Am I making any sense??  It seems like what I see on equifax.com when I log in is the most current info but when you go through other sites they may not have the most current info.  How long does it take to update so the info is more current?  I want to re-fi my car loan with my CU (which I know pulls EQ) but I want to make sure that all my info is current & up to date before I app with them. 

Message Edited by mt2va on 05-31-2009 07:56 AM

[smallfry]

Generally with a few exceptions your credit info should be updated within 10 days of the statement cut date. New accounts can take as long as 2 months to report to the CRA's.