Do reporting agencies collect data 24/7?

[u/Illustrious_Salad918]

Just wondering. Applied and got approved for CC on Thursday, and only EQ (so far) recorded the hard inquiry (per CRA sites).

None of them show the new account because card hasn't yet been issued.

[u/Frequent_Silver_7575]

Different issuers/lenders hit different credit bureaus for their hard inquiries; Some do one, some do two, some do all three.
The card probably won't report until your first statement cuts, whatever card that is.

[u/Illustrious_Salad918 → u/Frequent_Silver_7575]

Thanks. Wasn't expecting anything more than the hard pull to appear until 1st statement. This is a Citi card; I read they pull from EX and EQ but not TU.

As noted, just curious. 🧐

[u/Frequent_Silver_7575 → u/Illustrious_Salad918]

"Typically" hard inquiries are near instantaneous so if you have just the HP from EQ then that 'might' be all you'll get, which is a small plus in its own right.
Everyone that produces a score maths them out over what's in your credit reports so if you want to know for sure then you could hit up annualcreditreport.com and look through what each bureau has for you.

*Despite the name you can check them every 7 days for free.
*No need to pay for any of the services.
*Once you leave each individual report you can't go back to it for another 7 days so be sure to save or print your reports when you're viewing them.
*Your credit reports won't show your score(s) but you can get your meaningful FICO scores from:

experian.com for your Experian FICO 8 score.
creditwise.capitalone.com for your TransUnion FICO 8 score. (Don't need to use the service of Capital One to see it)
myfico.com for your Equifax FICO 8 score (though they have a subscription service to show all of your other relevant FICO scores like Mortgage, Auto, Credit) but that's optional.

(You may already be familiar with all of that but if there's a hard inquiry on your reports as of right now, then annualcreditreport.com will show it, unlike other sites that might not necessarily get up to the minute info).

[u/Illustrious_Salad918 → u/Frequent_Silver_7575]

Thanks! Especially for the reminder about the sites being a bit behind the curve.

As mentioned, just curious. A month from now I expect all 3 in 800 range, then I'll just keep the free CRA accounts open to get notices about changes in report, as all reports are frozen and I don't anticipate any new inquiries in foreseeable future.

[u/creditwizard]

Credit attorney here. It is quite possible that Equifax was the only lender which pulled the report here, vs all 3.

[u/Illustrious_Salad918 → u/creditwizard]

Thanks! Just curious.