I know many of you know this, but I know some don't and thought it might be valuable. I copied this from another thread I replied to concerning Credit Expert being a day behind. BTW Christi, you mensioned messing up and signing up at 11pm. Just don't pull it for one day and your time will be based on the time of day you pull it the 2nd day. I hope what's below helps someone...... -----copied----- From what I witnessed today, CE is right on based on. Last time accessed before today was yesterday at 3:30pm. Score was 740. Applied for MBNA Gold Reserve LOC at 11am. Signed onto CE at 11:15am. Obviously score had not changed becuase it was not after 3:30pm. However, everytime you pull your report it is current. At 11:15 I had one inq from MBNA financial. Signed onto CE at 11:30am. No score change still (duh!). Clicked view my credit report. 2nd inq showing from MBNA America. Signed onto CE after 3:30pm. Score reduced by 4 points. No other changes happened over the last 5 days on my report. Reason code for # of inq moved up one on the score analysis page. So, from what I saw it was right on! Very happy. * * * * * * * * * * * * * * * * * * * * * * * * * REMEMBER: Your credit report on CE is current thoughout the day but your score will only change 24 hours after the last time you signed on and your score changed. In other words, if one day you forget to check your score until 10pm, the next day your score will not change until after 10pm. If you want it to change sooner, you would actually have to skip a day and pull the report early the following day. * * * * * * * * * * * * * * * * * * * * * * * * * -----end of copy-----
* BUMP * This fell off the front page pretty quickly. Bumped just incase. It just seemed like a few people were confused about the 24 hr thing and the fact that the reports are actually real time even though your score isn't. If this really didn't deserve a bump, i appologize.
