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Frequent Contributor
Posts: 478
Registered: ‎09-24-2010
0

Odd Discover Reporting

 

As many of you know, I applied and did a BT for Discover in January. My first statement generated on 2/23 and it reported today to EQ. Well, it reported my balance but not the credit limit and went into "Other" not revolving.  Does this happen when you do a BT with Discover? In the Credit Line box it says N/A. What's also interesting is that, the date opened was 1/1/2012. I opened it later in the month...mid-January (not that I'm complaining). Also, last activity was 2/1/12 but statement generated on 2/23/12. Is something wrong? Do they report data based on 1st of each month? Any insight would be great.  Heck, if they don't put my CL I'll be happy....Note below:

 

DISCOVER FINANCIAL SVCS LL

Company/Account Name:DISCOVER FINANCIAL SVCS LL 
Company Address/Phone:PO Box 15316, Wilmington,  DE 198505316 
Account Number:XXXXXXXXXXXXXX 
Date Opened:01/01/12
Last Activity:02/01/12
Type:Revolving or Option 
Rate/Status:Pays account as agreed
High Credit:N/A
Terms:N/A
Balance:$6,950
Past Due:N/A
Most Recent Date Reported:02/01/12
Comments on Account:Credit card , Amount in H/C column is credit limit
===========
TU: 745(TU98) | EQ: 774 | EX: ? | NO BADDIES!
What's in my wallet? AMEX Platinum, United Presidential Plus World Elite MC, AMEX JetBlue, Nordstrom Visa Sig, Chase Sapphire Preferred, Discover More, AMEX Zync, Citi AAdvantage Plat Select Visa, Banana Republic, Home Depot
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Odd Discover Reporting


ArisGreek wrote:

 

As many of you know, I applied and did a BT for Discover in January. My first statement generated on 2/23 and it reported today to EQ. Well, it reported my balance but not the credit limit and went into "Other" not revolving.  Does this happen when you do a BT with Discover? In the Credit Line box it says N/A. What's also interesting is that, the date opened was 1/1/2012. I opened it later in the month...mid-January (not that I'm complaining). Also, last activity was 2/1/12 but statement generated on 2/23/12. Is something wrong? Do they report data based on 1st of each month? Any insight would be great.  Heck, if they don't put my CL I'll be happy....Note below:

 

DISCOVER FINANCIAL SVCS LL

Company/Account Name:DISCOVER FINANCIAL SVCS LL 
Company Address/Phone:PO Box 15316, Wilmington,  DE 198505316 
Account Number:XXXXXXXXXXXXXX 
Date Opened:01/01/12
Last Activity:02/01/12
Type:Revolving or Option 
Rate/Status:Pays account as agreed
High Credit:N/A
Terms:N/A
Balance:$6,950
Past Due:N/A
Most Recent Date Reported:02/01/12
Comments on Account:Credit card , Amount in H/C column is credit limit

Not sure exactly if they have reported wrong but if it benefits you I would overlook it......




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 478
Registered: ‎09-24-2010
0

Re: Odd Discover Reporting

Well this was in the alert info when the new account came in. I'm waiting for my other card to report a $0 balance before pulling a report. I just want to double check, but I wonder if they do this for BTs. Hmm...

===========
TU: 745(TU98) | EQ: 774 | EX: ? | NO BADDIES!
What's in my wallet? AMEX Platinum, United Presidential Plus World Elite MC, AMEX JetBlue, Nordstrom Visa Sig, Chase Sapphire Preferred, Discover More, AMEX Zync, Citi AAdvantage Plat Select Visa, Banana Republic, Home Depot
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Odd Discover Reporting


ArisGreek wrote:

Well this was in the alert info when the new account came in. I'm waiting for my other card to report a $0 balance before pulling a report. I just want to double check, but I wonder if they do this for BTs. Hmm...


Is this TL factored into your overall utilization???




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 478
Registered: ‎09-24-2010
0

Re: Odd Discover Reporting

I don't think so since there is no CL reporting notated on the alert. I'm not pulling a report until the other card reports. Generally, the CLs if a card has one appears on the alert. This did not.

===========
TU: 745(TU98) | EQ: 774 | EX: ? | NO BADDIES!
What's in my wallet? AMEX Platinum, United Presidential Plus World Elite MC, AMEX JetBlue, Nordstrom Visa Sig, Chase Sapphire Preferred, Discover More, AMEX Zync, Citi AAdvantage Plat Select Visa, Banana Republic, Home Depot
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Odd Discover Reporting


ArisGreek wrote:

I don't think so since there is no CL reporting notated on the alert. I'm not pulling a report until the other card reports. Generally, the CLs if a card has one appears on the alert. This did not.


That would be a big + if its not factoring in your overall utilization! Guess you'll have to wait and see!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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