When Credit Bureau Updates Lag (e.g., Mortgage Payments Not Shown)
Mortgage or credit payments not showing on Equifax or TransUnion? Here’s why updates lag and what you can do.
Credit reports don’t update in real time.
🕒 Why Delays Happen
- Lenders update monthly.
- Bureaus may take 30–60 days.
- Payments may appear late.
✅ How To Handle It
- Keep statements as proof.
- Provide docs if applying during a lag.
- Contact lender if updates are delayed beyond 2 cycles.
📌 Takeaway
👉 Lagging updates are normal. Keep records to bridge the gap.
