Viewing my file reflects an open card when it was closed before my credit file was recently updated. Would a credit issuer see the real time info or see the same as I?
Anyone know what credit agency Amex use to check? The last time I opened an Amex only Equifax took a hit and not Experian (not sure about Ilion)
Thanks in advance!
Credit issuer will likely see the same info as you are seeing. Financial institutions don't update daily to Equifax, usually it's a monthly update encompassing repayment history including hardships, opened and closed accounts. The only things that I know will update straight away are enquiries. Not sure about defaults.