Discover Not Reporting...Good or Bad?

CreditWorld2013 · ‎04-07-2012

So I have a discover card since January but it still hasn't reported...I had my Capital One reporting since January and my Forward since March. I'm a bit worried as my 3rd statement just cut on Thursday and nothing! I was hoping for an auto CLI after the 3rd statement and it looks like it won't be happening (Can it occur sometime next week?) Should I contact Discover?

mxp114 · ‎04-07-2012

Contact Discover for an off-cycle credit bureau update, they will manually push an update to all three. That should get the account to finally post.

LS2982 · ‎04-08-2012

@mxp114 wrote:
Contact Discover for an off-cycle credit bureau update, they will manually push an update to all three. That should get the account to finally post.

+1

I'm kinda worried about Discover reporting on mine, i'll get the Util. boost but my scores might go down!

EQ FICO 548 3/3/16

clocktick · ‎04-08-2012

Auto credit limits from Discover do not seem to be the norm. Yes, it has happened here and there but typically you will have to request a CLI, and it could be a HP.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800

Starting Score: 648
Current Score: 736
Goal Score: 765

Take the FICO Fitness Challenge

nuggets321 · ‎04-08-2012

My Discover account was lagging in the initial reporting too.... been smooth sailing since it finally started to report though ....

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500

LS2982 · ‎04-08-2012

@nuggets321 wrote:
My Discover account was lagging in the initial reporting too.... been smooth sailing since it finally started to report though ....

How long did it take to initially report?

EQ FICO 548 3/3/16

Anonymous · ‎04-08-2012

@LS2982 wrote:
@mxp114 wrote:
Contact Discover for an off-cycle credit bureau update, they will manually push an update to all three. That should get the account to finally post.
+1

I'm kinda worried about Discover reporting on mine, i'll get the Util. boost but my scores might go down!

My Discover just reported this morning after 2 months. Lost 13 points.

LS2982 · ‎04-08-2012

@Anonymous wrote:
@LS2982 wrote:
@mxp114 wrote:
Contact Discover for an off-cycle credit bureau update, they will manually push an update to all three. That should get the account to finally post.
+1

I'm kinda worried about Discover reporting on mine, i'll get the Util. boost but my scores might go down!
My Discover just reported this morning after 2 months. Lost 13 points.

EQ FICO 548 3/3/16

Anonymous · ‎04-08-2012

Thing is it reported out of cycle and I just used it to pay and pre-pay $500 of utilities with ChargeSmart so my UTIL jumped...bastards.

nuggets321 · ‎04-08-2012

I want to say it was like 6 weeks or so ??

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500