Mines the same now showing 01/02/09. Put my score up by about 150 points.

Update. I've been checking Experian every day recently. Today, my two Barclaycards were updated. "Last update" is now shown as 04/02/09. (Yesterday was still 04/01/09.) So still rather little behind.

I re-ran my Experian score - now 999. It says that's the maximum (why not do it out of 1000?). But there is still a red flashing warning that my overall outstanding balance is high. And when I use the "forecast" facility based on maintenance of the status quo, I'm forecasted as going down to 819.

Waste of money really...but more healthy than a beer and a burger down the pub which costs about the same.

The whole system seems dodgy to me. I'm assuming you're talking about Experian. I've got a few that seem to have "got stuck" from time to time. In particular I have two Barclaycards where the last update is shown as 04/01/09. (Funny that!) One is an active account, another is one closed a few days later.

When they finally get around to updating it, it will probably be retrospective... ie maybe mid-March the "last update" will show as 04/03/09 or some such. I'm wondering if the early Feb update got lost because it was around the time of heavy snow. Maybe some card companies didn't run off the data.

I have 18 accounts showing. It seems odd to me that different accounts often seem to show the same update date.

I get the same thing with searches. I recently got accepted for a new card (letter in post). Then a couple of days later, my Experian account showed the search (back dated to when it was). Then about a week later I got the "alert" email. When I check it out, it's because they review the account weekly and had "noticed" the search during the previous week.

So I can't really answer your question. Based on my 6 months experience of Experian, it always updates within 3 months (usually faster) though the "as at" date is usually a little before the date they actually update your record.

Since this data is so critical to people when they apply for credit, I think the CC companies/Experian should take more care to get it right. I feel in your case, its unlikely to make much difference if a single missed payment was the last one or a slightly earlier one. But the balance drop is more significant.

I was just wondering how long it take card company to update payment history on a card on credit report. I missed a payment on my MBNA card from christmas. They updated my record on the 04/01/09 to show this missed payment but have not updated again since. Since then the balance has drop from £2600 to £2000 but doesn't show. I know that as a result of the missed payement my credit rating has taken a hit but think it will look better for applying for a loan if the missed payment isn't the last record. There should be 2 monthly payments showing.