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Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Problem with Discover reporting.

Not sure if its just me or this seems to be a problem with Discover, since I remember reading something similar to this.

My discover has yet to update to the CRAs for the past 2 months. Been paid off, but its still reporting the balance from early July. Problem is that balance is 95% of my CL, so its the only ugly thing on my CR now.

Does anyone else has this issue with discover?

If I am to call them to have them correct this issue, how long does it usually take, and would they report the current balance, or most recent statement balance?

Thanks in advance!
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
JonStur
Posts: 904
Registered: ‎12-25-2010
0

Re: Problem with Discover reporting.


enharu wrote:
Not sure if its just me or this seems to be a problem with Discover, since I remember reading something similar to this.

My discover has yet to update to the CRAs for the past 2 months. Been paid off, but its still reporting the balance from early July. Problem is that balance is 95% of my CL, so its the only ugly thing on my CR now.

Does anyone else has this issue with discover?

If I am to call them to have them correct this issue, how long does it usually take, and would they report the current balance, or most recent statement balance?

Thanks in advance!

Don't know why that happens sometimes. Just checked and they are up to date on mine. It definitely doesn't hurt to call and their CSRs are generally nice and maybe they can help you. Unfortunately the law states that creditors aren't required to update every month, only that whenever they do it must be accurate; so it would be the last statement balance...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Frequent Contributor
Kratos-TM
Posts: 429
Registered: ‎05-23-2013
0

Re: Problem with Discover reporting.

I'm having the same problem right now with them.....

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
New Contributor
PhoenixDown
Posts: 61
Registered: ‎07-16-2013
0

Re: Problem with Discover reporting.

I'm happy about this as I have a balance right now they aren't showing :smileyhappy:

Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: Problem with Discover reporting.

Discover is SUCH a slow reporter lol
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 $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012
0

Re: Problem with Discover reporting.

Yes, this is very common.  Now, if you have any account updates/changes to your Discover profile, then that may generate a quicker update (mid-cycle).  But, on an ongoing basis, they are sporadic with their reporting.

Moderator
09Lexie
Posts: 24,907
Registered: ‎09-13-2012
0

Re: Problem with Discover reporting.

It happened to me earlier this month. I called and requested a mid-cycle report. My CR's were updated within 2-3 business days -Ex-EQ pulling up the rear TU about 5 days later.

Also, it did not report the statement balance but the current balance.
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
0

Re: Problem with Discover reporting.

I have the same issue I got my cl increased to 5k ftom 1.7 and it is not updated yet
Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
Gunnar419
Posts: 1,152
Registered: ‎01-23-2013
0

Re: Problem with Discover reporting.


zerobacan wrote:
I have the same issue I got my cl increased to 5k ftom 1.7 and it is not updated yet

Yes, Discover almost never reports the month after giving a CL. I don't know why. But they're ALWAYS very good about honoring requests for mid-cycle reports. So any time they don't report when you need them to, just drop an email or call them and your problem will be over in a couple of days.

 

Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: Problem with Discover reporting.

Ah I see. Thanks a lot!

So they are pretty easy going with updating with the bureaus if I ask for it? I have some new balances on it right now that I just paid off, so I will call them after the payment is posted I suppose.

Thanks a lot once again!
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

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