06-03-2013 09:22 AM
I looked over my report and my CapOne has reported like clock work on the 28th of ever month and now that I am anxiously waiting them to report in hopes of a score boost they have not reported. I have called and they told me my bill cycles on the 23rd and my bill is due on the 20th. Did I stunt their reporting system by asking or something?
06-03-2013 12:01 PM
Is this card a previous Orchard?
I ask because on mine they changed my due date this past month, and it didn't report like it used to. It's about 10 days later now.
06-04-2013 07:45 AM
Sometimes banks won't report every month. It is not guaranteed I think.
06-04-2013 04:54 PM
So I guess CapOne reported but I guess lowering my balance from $239 down to $127 on a $300 limit card didn't help my score? There was also a CLI from $300 to $500 that has also been reported that also didn't give me a boost? both of there reported at the same time.
06-05-2013 07:29 AM
Cap1 has really been grinding my gears about their reporting lately. They haven't updated on my report since mid April, and when I call everyone says the standard "we have 30-60 days to report". Grrrrrrrrr.
Also, Shellie if your current CL is $500 (and reporting), and your balance is $127, that's roughly a 25% uti. That would be down from your roughly 80% uti. So yes, that drop should help your credit score. Of course, YMMV based on what else is on your report.
06-05-2013 08:23 AM
Prior to this month they have reported for me without fail on the 28th of each month. Now that I am awaiting that coveted bump is points they are taking their time, I called yesterday and they said they had already reported. The correct balance does show on my TU FAKO too. So idk if it's just on MyFICO score watch or what? I am just a little disappointed because I was really anticipating a bump from this. The new balance that will report for June is $0 so maybe I will get a bump then.
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