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Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Discover Card reporting

Does discover report to all 3 CB's?

 

When do they normally do that? as in time of the month




Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Discover Card reporting

[ Edited ]

My Discover reports to all 3, and my Discover reports on or around the 6th every month.

 

It depends on when you applied for the card as to when the due date and the closing dates are set.

 

I believe my Discover Card started reporting to all 3 before I even received the card.


Starting Score: 583
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Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: Discover Card reporting

Nice !!

 

So say it takes 1 week to get the card. And yoiur discover was reporting before you even go the card?




Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Discover Card reporting

My Discover TL didn't report until my second statement, about 1 month and two weeks after I was approved. My statement cuts on the 3rd of the month, TL first reported on EX on the 6th.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
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Re: Discover Card reporting


CS800 wrote:

Nice !!

 

So say it takes 1 week to get the card. And yoiur discover was reporting before you even go the card?


If I'm not mistaken, my Discover started to report just a few days after I apped and was approved, I know for a fact that my Barclays card started to report 2 days after I apped and was approved, I was like :smileysurprised: I may have the two mixed up, but I really do think my Discover started to report a few days after application and a few days before I received the card.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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Valued Contributor
mxp114
Posts: 1,379
Registered: ‎09-01-2011
0

Re: Discover Card reporting

My Discover took two months to report, which was fine with me because I was then able to get approved for another card before it was reported as a new acct :smileywink:

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Discover Card reporting


mxp114 wrote:

My Discover took two months to report, which was fine with me because I was then able to get approved for another card before it was reported as a new acct :smileywink:


This is exactly why I remember why my Discover showed up so quickly, I had apped for an AmEx a few weeks earlier and it was backdated to 91 and I really wanted the AmEx to report first to boost my AAoA's before the Discover TL was reported, but Discover reported right away and AmEx took like 2 cycles to report.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011
0

Re: Discover Card reporting

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-reporting-question-especially-for-newer-approv...

I started a similar thread, two responses I got both seemed to be 2nd statement or month. YMMV.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
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Re: Discover Card reporting

I so eager for the card to report my CL. This will bring my util from 75% to 44%. With a possibility of a good score boost (due to utilization)

 

And also my two AMEX's already backdated should give me an AAoA increase.

 

Who knows, I might break the 700 this year (dreaming is allowed :smileyhappy: )




Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Discover Card reporting


CS800 wrote:

I so eager for the card to report my CL. This will bring my util from 75% to 44%. With a possibility of a good score boost (due to utilization)

 

And also my two AMEX's already backdated should give me an AAoA increase.

 

Who knows, I might break the 700 this year (dreaming is allowed :smileyhappy: )


I'm hoping you get into the 700 Club really soon, the new Discover will help your util and the backdated AmEx's will def help AAoA's.

 

Best of Luck!!!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge



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