New Contributor
Posts: 114
Registered: ‎01-02-2013

Just Dont Understand

I have 4 credit cards.


Discover IT- 1200 (brand new, activated today)

Discover More- 750

Best Buy-3000 parent joint applicant

Capital One for Newcomers- 500


I pulled my transunion report the other day and found out my best buy card isnt reporting to them. sucks


i pulled my equifax report tonight and find out that only my best buy card is reporting to equifax. 


i havent pulled my experian report yet.


my question to you guys is... how do i fix this? i want all my credit cards to report on all my agencies reports. like it should be, i know the system isnt perfect but **bleep**.

Frequent Contributor
Posts: 272
Registered: ‎12-28-2011

Re: Just Dont Understand

How much time has passed after each card has been activated?

Discover can sometimes be very strange with reporting, especially with new lines (their first reporting might be months after the activation).


What is your situation with mailing address? Have you changed it recently? Just by any chance, have you undergone a legal name change recently (marriage etc)?

Do you have the same mailing address with your parent who is your cosigner on BB card. (and is it really a cosigner, or you are an authorized used on your parent's card?)

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colon:smileywink: Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008

Re: Just Dont Understand

All companies report differently

Discover is one of them. I paid off my card in October and it didnt report as $0 till December which on that period I got a CLI with them which made me even more mad

$100K in Credit
Last Credit Card App: 11/16/13
New Contributor
Posts: 114
Registered: ‎01-02-2013

Re: Just Dont Understand

I feel like its very odd. I think theres something on equifaxs end because only my bb card is showing up on them. im gonna call them tomorrow and see if there is anything i can find out. only experian has all my cards on there, except for the new new one, discover it.

Established Contributor
Posts: 642
Registered: ‎07-03-2012

Re: Just Dont Understand

Reporting can be weird especially with new accounts. My Discover didn't report until the third statement... How old are all of the accounts?

Regular Contributor
Posts: 220
Registered: ‎08-10-2012

Re: Just Dont Understand

I was approved for Discover It around Thanksgiving and it just started reporting Tuesday so about 6 weeks

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012

Re: Just Dont Understand

[ Edited ]


you have mad several threads about your "joint" best buy card not reporting. 



does it report on your parents reports? (the one that jointly opened it with you) 


i see you pulled your reports and it reports for you only on one? 


did you contact the cap one exec office? 

the other two agencies that it's not reporting on? 



on the other cards how long have you had them? 

you should usually wait one to two statement cycles before worrying about it not reporting. 


is it possible that you and your dad have the same name? and maybe they reported it wrong that way. or possibly you have a split file somewhere. 

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6

2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Posts: 591
Registered: ‎05-05-2012

Re: Just Dont Understand

You should try calling each card's CS and verify through them if they are reporting to the 3 credit agencies, maybe they are missing info from you that prevents them from reporting. Like they mentioned some companies taking longer to report than others. When i first got my Discover card it took nearly 3 months for it to start reporting to the agencies.
Cant hurt to call and see what they need.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012

Re: Just Dont Understand

Discover took two months to report for me... So did Amex
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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.