Reply
Regular Contributor
Posts: 232
Registered: ‎02-07-2011
0

Hotel holds/authorizations - do they report?

I'll be traveling at the same time as my Cap1 reports to the credit bureaus.  My balance on the cc will be $0, but there will be a pre-authorization hold from the hotel.  Will this hold amount show as part of my utilization when the card reports?


With FICO, time heals all wounds.

Take the FICO Fitness Challenge

Frequent Contributor
Posts: 356
Registered: ‎06-25-2009
0

Re: Hotel holds/authorizations - do they report?

No.

AMEX Blue Cash - $15k, Lowes/GECRB - $10K, PNC - $10K, CIti Diamond Preferred - $10K, Home Depot/Citi - $7590, Best Buy Store/HSBC - $7400, Citi Platinum Select - $7150, Best Buy RZMC/HSBC - $5750, Dillards/GECRB - $4350, Discover More - $3600, Cap 1 Cash Rewards - $3000, Amex HHonors - $2000, State Farm - $2000, Cap 1 MTV - $1500
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Hotel holds/authorizations - do they report?

 


ficofox wrote:

I'll be traveling at the same time as my Cap1 reports to the credit bureaus.  My balance on the cc will be $0, but there will be a pre-authorization hold from the hotel.  Will this hold amount show as part of my utilization when the card reports?


No.  Not until Cap1 receives a sales slip from the business. 

 

New Contributor
Posts: 60
Registered: ‎07-03-2007
0

Re: Hotel holds/authorizations - do they report?

The amount on hold doesn't actually post to the balance so it won't show. I stay in hotels apprx.150 nights out of the year and I've never had that happen.

Starting Score: TU 652- EQ 658 - EX 668
Current Score: TU 679 - EQ 681 - EX 681 as of 3.13.11
Goal Score: 700 with all 3


Take the FICO Fitness Challenge
Regular Contributor
Posts: 232
Registered: ‎02-07-2011
0

Re: Hotel holds/authorizations - do they report?

Wonderful. Thank you all for your fast replies. :smileyhappy: 

 

Also thanks to everyone for all of the other great posts.  This forum has helped me bring my credit score from 'Poor' to 'Good' territory in under a year. 

 

(Back to lurking.)


With FICO, time heals all wounds.

Take the FICO Fitness Challenge

Regular Contributor
Posts: 181
Registered: ‎11-20-2008
0

Re: Hotel holds/authorizations - do they report?

I tried to find the answer to this as well last month - happy to say auths have no impact on reporting!

------------------------------------------------
7/11: EQ: 724, TU: 720, EX 745ish (5/11 pull)

What's in my wallet?

Amex Blue Cash Preferred and Capital One Venture.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.