Credit Card Center Advertiser Disclosure

Posts: 21
Registered: ‎12-14-2012
0 Kudos

Cap1 won't update CR??

My Furniture Row by Cap1 is paid off, but I talked with a representative yesterday and she told me that I won't get a January statement online

since I paid off my balance. Is this usual? To not get a statement or some document verifying I paid off the balance?


Only reason I'm asking is because I'm wondering when it's going to update on my CR's? It was at a 580 balance before the 4th, and

the statements usually cut at the 16th or 17th, which is today. Should I wait to see if they update?

From what she was telling me, it didn't sound they would be giving me anything to see that I've paid off the balance.

Established Contributor
Posts: 599
Registered: ‎03-10-2012
0 Kudos

Re: Cap1 won't update CR??

the last few months i had my cap1 every statement balance was zero, but it continued to update on my credit reports. got an online statement every month too.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0 Kudos

Re: Cap1 won't update CR??

It's not strange to not be sent a statement with a $0 balance, I'm just surprised you wouldn't get one with your final payment on it.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
Posts: 21
Registered: ‎12-14-2012
0 Kudos

Re: Cap1 won't update CR??

Well back last December, I see my statements were cutting on the 19th, and then mid year 2012 they started cutting the 15th or 16th, so I may just wait two more days and see if I receive a statement.

I'm really wanting to apply for a Chase Freedom offer I have and was wanting my zero balance to update on my report.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.