I'm in a situation where I'm waiting for my EQ score to go up a little bit to qualify for a USDA rural home loan. I have 3 sallie Mae accounts that I paid on 5/5 and 5/28 that still have not shown up on my credit report. I called Sallie and they assured me that all six payments were sent to the credit bureaus on 5/31 but as of 6/18 they are still not showing up on the my fico site for either EQ or TU. (the last payments showing are from april) I'm paying $13.96 on almost a daily basis here to see when the payments hit so I can make an offer on our dream house!
So my question is how current are the reports on the my fico site? shouldnt these payments that were sent to the bureaus already be showing up on my credit report?
Thank you
Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Yes, the reports are current as of the day you pull them from the CRA. MyFICO does not store old reports, it pulls the reports from EQ or TU on the day you request it. So if you see something that you think is incorrect on your credit report, you could a) file a dispute or b) contact the OC again. I would recommend contacting Sallie Mae again first since disputes can cause new problems sometimes.
jeffg330.
I found ur concern to be true for me too. i pulled my reports from TU and EQ no less than 6 times in a month and a half and it still reports at the latest April. it must be behind some how. i have 2 auto loans and none of them are showing current reporting from My fico pulls. its as if it uses your last pulls as a template and only updates if there is a major change with your accounts.
Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Thank you for the response Luckelle, at least I know it's not just me now. All we can do is practice patience at this point. They gotta hit sometime!
Thank you Heather, after talking to different CSR's at Sallie I'm convinced they have no clue about how that all works! Never the less, I remain in a holding pattern.
even if it is not myfico with the slow update problem, it should be a part of disclamer when stated you will get the most up to date reports. Not saying there not but if you know theres a lag in creditors reporting or lack there of. Put it out their. i dont like spending money on reports only to see it looks exactly like the last 2 month reports. Im just sayin 
Has your entire report not been updated or just a specific tradeline?
@luckelle wrote:even if it is not myfico with the slow update problem, it should be a part of disclamer when stated you will get the most up to date reports. Not saying there not but if you know theres a lag in creditors reporting or lack there of. Put it out their. i dont like spending money on reports only to see it looks exactly like the last 2 month reports. Im just sayin
In my case it's the entire report. It looks exactly the same as when I had my hard pull on 5/15