Through April 20, 2021, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.
On your website, you state that you update credit card payments when my bank does. My credit report from your institution is three months behind. This is affecting my credit scores and causing me to be denied credit.
Your creditors update the information on your credit report electronically. Therefore, when they send a monthly update to us, the information is updated on your credit report automatically. To ensure you have the most recent information, we recommend that you request a report directly from Experian.
If your application has been declined because of information in your Experian report, you can request a free copy at Experian's Report Access. You also can request a free credit report once every 12 months at www.annualcreditreport.com.
If you are seeing an account on your report that has not been updated in several months, you should dispute the information with Experian and contact the creditor to verify it is reporting your account information. For more information, see How to Dispute Credit Report Information.
Thanks for asking.
The "Ask Experian" team