The Turbo® service draws it's information from TransUnion, one of the 3 national credit bureaus. Turbotax is updated every 2 weeks, I think, and each credit bureau is updated by the lenders whenever the lender feels like it, usually once a month. So the number for your balance in Turbo today could be your loan balance at any time in the past 6 weeks or so. (For example, my main credit card can show a balance anywhere from zero to $4000, depending on what day of the month the balance is recorded, even though I pay it in full every month.)