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Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: Capital One doesn't report every month


ilsandrall wrote:
My capital one statement closed on the aug 11 and should of reported aug 12 but still hasn't... :/ need it to update for a mortgage. My balance was $270, paid it down to $0 on July 20th and still hasn't updated. Everyone should update their before and after score I am curious how much my score will go up.

Well, you can always request that your mortgage company do a rapid rescore if your creditors haven't updated your reports in a while.  It may cost you a few dollars but if it's the difference in interest rates then I would definitely go for it.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Contributor
Posts: 78
Registered: ‎01-06-2013
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Re: Capital One doesn't report every month

I posted this in another thread but it appears that CapitalOne didn't report to EX and TU for me this month and only reported to EQ.  I did a tri-bureau pull yesterday and saw that they only reported to EQ for the month of August.  This happened in February of this year for me as well.  I wonder why this tends to happen?  

 

 


Starting Score: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785


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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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Re: Capital One doesn't report every month

I don't usually have this problem with Capital One...however, they seem to be taking forever to report a balance I paid off two months ago...

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Capital One doesn't report every month

i started a thread that offers an answer to the delay in reporting for last month and this month:

http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Reporting/td-p/2368125

 

Smiley Happy



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: Capital One doesn't report every month

looks like they are back on schedule now, August just reported

Regular Contributor
Posts: 164
Registered: ‎08-03-2013
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Re: Capital One doesn't report every month

If u call the CSR, can they tell u if they have reported or not?

Starting Score: 620 Current Score: 709 Goal Score: 720
Gardening from 9/28/2013. Target: March 2014
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: Capital One doesn't report every month


SPreb wrote:
If u call the CSR, can they tell u if they have reported or not?

I dont think so but it should ereport within a few days of statement cutting

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