If you haven't been using the cards, banks are notoriously bad about updating the tradeline. Not sure why, but the automation fails pretty much universally across lenders according to reports on the forums.
General ways of fixing it, buy something and let it report, or maybe try something like an address update (just change it to the same address, or use #3 instead of Apt 3 in my case, something akin to that) which with some lenders will update the tradeline.
In general I don't advocate, nor do I leave any credit card idle, ever, and I haven't encountered this problem with cards yet. I have with one of my installment loans though, not that it matters nearly as much.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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Revelate wrote:If you haven't been using the cards, banks are notoriously bad about updating the tradeline. Not sure why, but the automation fails pretty much universally across lenders according to reports on the forums.
USAA and the Experian Credit Check Monitoring Service they offer reports just fine. I paid off one card at the end of last month, several more at the beginning of this month. Although several have not reported yet, it is only because the statements haven't generated. In my experience so far, within three or four days of the statement, all three bureaus were reporting zero balances on every account.
I have never had a problem with a zero balance being reported on USAA's Experian Credit Check Monitoring Service, not even a delay.
Starting Score: 534 11/09
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