Senior Contributor
Posts: 3,448
Registered: ‎11-30-2007

Dollar Bank Visa NOT reporting on TU

for my husband.  It's an account with $5k limit, owe $460.  Good Standing, two lates about three years ago (30 days).  Should I call them and ask about reporting on TU?  Will they backdate from the beginning of the account OR backdate a year?  I don't want those two lates to show up.  It would really help with his utilization, bringing it down quite a bit.


Poke the bear, or leave it be? 

Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012

Re: Dollar Bank Visa NOT reporting on TU

Which will create the greater issue? The TL for utilization, or the reporting of two 30's over a few years old? I doubt you'd take a hit for old lates, in exchange for 5k reporting. I could be wrong?!?!

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.

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.