Is CE a day behind?

Discussion in 'Credit Talk' started by Ozzyburger, Jan 30, 2002.

  1. Ozzyburger

    Ozzyburger Well-Known Member

    For the last several days, I've been finding that CE is a day behind - is everyone experiencing this? I mean, it's 8 pm on 1/30 and my score is still reflecting 1/29.

    ??

    Ozzy.
     
  2. bailey

    bailey Well-Known Member

    This site usually updates for me around 10:30 pm EST everyday.
     
  3. Christi

    Christi Well-Known Member

    It updates 24 hrs after you logged in. So when you first joined if it was 11PM, it won't update until 11PM. I found that out the hard way and this month joined at 10AM instead of midnite :)
     
  4. Ozzyburger

    Ozzyburger Well-Known Member

    That's still weird... I joined in the afternoon (wrote it down since what Christi said before about it updating at a certain time!) and it still hasn't updated today.... been like this for over a week... Signed Hubby up in the morning and it's still showing yesterday's date for him too.

    Plus, we never get email updates....

    Ozzy.
     
  5. Marie

    Marie Well-Known Member

    where are you seeing a date on the score???
     
  6. Ozzyburger

    Ozzyburger Well-Known Member

    The little box that has the graph on the lower right hand side.... as of now (after midnight) still says 1/29.
     
  7. jaj1701

    jaj1701 Well-Known Member

    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.

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    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.

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  8. jaj1701

    jaj1701 Well-Known Member

    Sorry, I didn't notice your response Christi, you were right on and I just repeated the same thing. I hope you feel I added a few good points though.
     

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