My report was updated and accurate. My score was a 729; in terms of an actual credit score, that sounds right. I was told by a credit analyst at NextCard back in late August my score was 701. In the past 4 months, I have less inq. in the past 6 months, lower balances, and higher limits. I would think the score is pretty accurate. Also, the truecredit.com score is based on the same formula. They give you experian data, and my score was about the same.