Credit Cards

[lessons_learned]

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 

[txjohn]

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.

[alsawye]

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

[lessons_learned]

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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

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I do still use it but I pay it down.  My last balance was $43.

[UpUpUp]

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.

[athensguy]

My last reported date for Discover on EQ is 04/2009.

[haulingthescoreup]

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.

[rbbyrbsn]

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/

[lessons_learned]

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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/

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Actually, I live in Middle TN.

[haulingthescoreup]

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lessons_learned wrote:

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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/

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Actually, I live in Middle TN.

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I'm in East Tennessee, and I go directly through Equifax, thank goodness. I've heard nothing good about CSC.