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Frequent Contributor
Posts: 312
Registered: ‎08-23-2008
0

EQ won't update Discover

I'm an AU on DH Discover card.  We paid the balance off in February this year.  My EQ still shows the old bal of 936.  The CL is only 1000, this is hurting my util. 

 

Any suggestions on how I can get it updated?  It updates on his reports every month 

Where I was 8/22/08 TU 581 EQ 554 EX 615
Where I am 7/30/09 EX 737 (FAKO) EQ 689 TU 745
Can't wait to see what my scores will be when all my accounts hit the 1 year mark!
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: EQ won't update Discover

Do not have him dispute the balance through the CRA unless he wants the AU account removed from his CR.  If a dispute is initiated, it should be through the CR of the account holder.  Any dispute of any info on AU is very likely to get the account deleted off CR of AU.

 

You should call Discover and ask them why they have not updated and request it be updated.

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
New Contributor
Posts: 73
Registered: ‎03-26-2009
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Re: EQ won't update Discover

have you used it since you PIF, if not try using it for a couple dollars or sumthin and then pay again that may be why they havent updated yet
ch7 BK 09/2011

EQ ??? TU- Walmart FICO 630 4/12/13 EX FICO 639 Lender Pull 4/6/13
Frequent Contributor
Posts: 312
Registered: ‎08-23-2008
0

Re: EQ won't update Discover


alsawye wrote:
have you used it since you PIF, if not try using it for a couple dollars or sumthin and then pay again that may be why they havent updated yet

 

I do still use it but I pay it down.  My last balance was $43.
Where I was 8/22/08 TU 581 EQ 554 EX 615
Where I am 7/30/09 EX 737 (FAKO) EQ 689 TU 745
Can't wait to see what my scores will be when all my accounts hit the 1 year mark!
Senior Contributor
Posts: 3,017
Registered: ‎06-03-2008
0

Re: EQ won't update Discover

I noticed the same thing with EQ and my Discover card. EX and TU have updated through April, but EQ's last update was in February.
Valued Contributor
Posts: 1,291
Registered: ‎02-26-2008
0

Re: EQ won't update Discover

My last reported date for Discover on EQ is 04/2009.
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Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: EQ won't update Discover

I'm AU on a Discover, and my EQ full report and a 5/7 myFICO report shows an update in May.

Don't forget that EQ payment data doesn't always transmit well to third-party reports.

If you call Discover to ask that they update, you might want to check your balance first. There's a good chance that they'll update then and there, and so whatever your balance is right now will be reported, and then presumably updated again at the regular time.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 739
Registered: ‎06-30-2007
0

Re: EQ won't update Discover

let me guess you live in the mid west? if this is case your EQ file isn't handle by EQ ,instead  some idiots cal CSC which requires you to make a temporary login to dispute and you  have to make servral attempts to get a working one.

 

https://www.csccredit.com/
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
Frequent Contributor
Posts: 312
Registered: ‎08-23-2008
0

Re: EQ won't update Discover


rbbyrbsn wrote:

let me guess you live in the mid west? if this is case your EQ file isn't handle by EQ ,instead  some idiots cal CSC which requires you to make a temporary login to dispute and you  have to make servral attempts to get a working one.

 

https://www.csccredit.com/
Actually, I live in Middle TN.

 

Where I was 8/22/08 TU 581 EQ 554 EX 615
Where I am 7/30/09 EX 737 (FAKO) EQ 689 TU 745
Can't wait to see what my scores will be when all my accounts hit the 1 year mark!
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: EQ won't update Discover


lessons_learned wrote:


rbbyrbsn wrote:

let me guess you live in the mid west? if this is case your EQ file isn't handle by EQ ,instead  some idiots cal CSC which requires you to make a temporary login to dispute and you  have to make servral attempts to get a working one.

 

https://www.csccredit.com/
Actually, I live in Middle TN.

 



I'm in East Tennessee, and I go directly through Equifax, thank goodness. I've heard nothing good about CSC.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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