Reply
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

CJ Question

[ Edited ]

I notice when it reported to the CRA it reported a 0 balance which in untrue cause i do have a balance with them is CJ good about reporting to the CRA.

 

My Orchard card hasn't reported in a few months also really not worried about that one cause the balance reporting is only one Dollar lol.

Message Edited by mjbfan79 on 10-05-2008 11:11 AM

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Community Leader
Senior Contributor
laz98
Posts: 4,291
Registered: ‎09-06-2008

Re: CJ Question

you said you checked TrueCredit?  Usually TC is good with updating right away, for me.  But I did notice that there are a lot of differences (esp. # of inquiries) between TC reports & myFICO reports.
Latest scores: Walmart TU: 766. MyFICO TU: ---. DCU EQ: 741. PSECU EX: 756.
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: CJ Question

myFICO reports only display inqs from the previous 12 months, which affect your scoring. Your full reports, and other secondary reports like TC, display inqs from the past 24 months, which is what lenders see. HTH
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: CJ Question

You all still didn't answer the question lol


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Established Contributor
fevmlo
Posts: 640
Registered: ‎03-28-2008

Re: CJ Question


mjbfan79 wrote:

You all still didn't answer the question lol


Did you ask one? :smileywink: 

 

EQ: 723 / TU: 760 (August 2009)
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: CJ Question


fevmlo wrote: Did you ask one? :smileywink: 

 


Can you read?


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Established Contributor
fevmlo
Posts: 640
Registered: ‎03-28-2008

Re: CJ Question


mjbfan79 wrote:

fevmlo wrote: Did you ask one? :smileywink: 

 


Can you read?


Um, yes, thank you, I can. And no need to be rude - I certainly wasn't trying to be, so I'll apologize if that's how you took it. I went back to see what it was that people were failing to answer, just in case there was some slim chance I might be able to help... and couldn't see a question. That's all. 

 

EQ: 723 / TU: 760 (August 2009)
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: CJ Question

[ Edited ]

fevmlo wrote: Um, yes, thank you, I can. And no need to be rude - I certainly wasn't trying to be, so I'll apologize if that's how you took it. I went back to see what it was that people were failing to answer, just in case there was some slim chance I might be able to help... and couldn't see a question. That's all. 

 


Well i thought u where being rude but i apologize what i was asking does CJ report to the CRA often cause there has been no changes on my report since i had the account.

Message Edited by mjbfan79 on 10-05-2008 11:12 AM

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Established Contributor
fevmlo
Posts: 640
Registered: ‎03-28-2008

Re: CJ Question


mjbfan79 wrote:

fevmlo wrote: Um, yes, thank you, I can. And no need to be rude - I certainly wasn't trying to be, so I'll apologize if that's how you took it. I went back to see what it was that people were failing to answer, just in case there was some slim chance I might be able to help... and couldn't see a question. That's all. 

 


Well i thought u where being rude but i apologize what i was asking does TC report to the CRA often cause there has been no changes on my report since i had the account.


Well it's easy to take a couple of words and a smiley out of context (hard to tell what people mean when they're writing words on a screen rather than talking face to face), so again, I apologize if I seemed rude, rather than just... mildly-cheeky-in-a-friendly-way, which is what I intended! :smileyhappy:
As for the question... hrrmmm, as I suspected, I can't help with that one - I can say, though, that I've noticed a few different accounts seeming reallllly slow to update lately (either they're reporting later than they usually do, or the CRAs are taking longer to update than they used to) - not so bad if they're incorrectly showing a zero or very low balance, but seriously irritating if you're waiting for some high-balance card to finally report a zero. :smileysad: 

 

EQ: 723 / TU: 760 (August 2009)
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: CJ Question

I might be mis-reading this, but if by TC you mean TrueCredit, it doesn't report to the CRA's; it pulls from them when you update your reports.

If something doesn't show on TC, it's not on the full CRA reports. The info hits the CRA's first, and then TC can get at it.

I think I've gotten tangled up on what you're asking though, sorry.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+