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Frequent Contributor
denver133
Posts: 266
Registered: ‎12-29-2010
0

US Bank no longer reporting at end of month?

I have a US Bank secured card.  Since I have had the card for 14 months, US Bank as reported whatever the balance is on the card on the last day of the month.  It's usually 2 days later, I get the alert about my balance.   However, last month, I didn't get the update till almost the end of March.  

 

Anyone else having these issues?  I need my balance to report ASAP. 


Starting MyFico Scores: EX ??? EQ 433 TU 464 on 1/25/13
Current MyFico Scores: EX 673 EQ 685 TU 684 on 10/13/14
Goal Score: 720


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Valued Contributor
One7
Posts: 2,154
Registered: ‎07-24-2013
0

Re: US Bank no longer reporting at end of month?

That happened to me too February,  it reported the balance to Transunion and Experian but didn't report my equifax balance until mid March, thought it weird as well. Hopefully it was just a one time glitch.  On another note why haven't unsecured your card yet? After 12 months you can have your secured card unsecured with them (as long as you haven't had any late payments or other problems with them). Unlike other unsecureable cards with US Bank you have to call in or contact them some way. But they will definitely do it without a HP, at least that was my experience. 

MyFico Current Scores: EX 758 EQ 787 TU 723 Diners Club WEMC 15k | Chase United Club Sig: 15k | JP Morgan Ritz Carlton Sig 5k | Freedom Sig 5.4k | CSP Sig 5k | Marriott Premier Sig 6k | Citi Exec AA WEMC 11k | TYP Sig 5k | Hilton Reserve Sig | BofA Trav Rwds Sig 10k | Cash Rwds Sig 10k | Merrill+ Sig 10k | Barclay Rwds WMC 5k | Hawaiian Air WEMC 7k | US Airways Premier WMC 6k | Amex PRG: NPSL | SPG 3k | Costco 1.2k | Cap1 GM WEMC 8k | QS Visa 3k | NASA 30k | Total Rwds Sig 8k | SG Rwds 8.8k | Walmart MC 4k | Discover It 1.4k | Dillards Amex 2k | US Bank Plat 300 | Lowe's 8.5k | Jared 7.6k | Kay 7.6k | J Deere 5k | CareCredit 6.6k | Home Depot 14k | Amazon 4.75k | PayPal SC 4k | Chevron 2.5k | Macy's 1.5k | J Crew 9.2k | +4 Cards
Frequent Contributor
denver133
Posts: 266
Registered: ‎12-29-2010
0

Re: US Bank no longer reporting at end of month?

I opened my US Bank card at $500 in 12/12 with a credit score of 433.  Increased to $3,500 9/13.   Called in December to graduate and was declined.  Scores were pretty much where they are now.  Never been late.  Never been over the limit.   Waiting for this to report and after I see this bump, I will call to graduate hopefully!  


Starting MyFico Scores: EX ??? EQ 433 TU 464 on 1/25/13
Current MyFico Scores: EX 673 EQ 685 TU 684 on 10/13/14
Goal Score: 720


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Valued Contributor
One7
Posts: 2,154
Registered: ‎07-24-2013
0

Re: US Bank no longer reporting at end of month?

Ahhh I see. That's weird of them not to unsecure it for you, your scores seem pretty good. I had mine unsecured just recently,  now I need to request a CLI, maybe next month. Good luck, I hope they unsecure it for you this time

MyFico Current Scores: EX 758 EQ 787 TU 723 Diners Club WEMC 15k | Chase United Club Sig: 15k | JP Morgan Ritz Carlton Sig 5k | Freedom Sig 5.4k | CSP Sig 5k | Marriott Premier Sig 6k | Citi Exec AA WEMC 11k | TYP Sig 5k | Hilton Reserve Sig | BofA Trav Rwds Sig 10k | Cash Rwds Sig 10k | Merrill+ Sig 10k | Barclay Rwds WMC 5k | Hawaiian Air WEMC 7k | US Airways Premier WMC 6k | Amex PRG: NPSL | SPG 3k | Costco 1.2k | Cap1 GM WEMC 8k | QS Visa 3k | NASA 30k | Total Rwds Sig 8k | SG Rwds 8.8k | Walmart MC 4k | Discover It 1.4k | Dillards Amex 2k | US Bank Plat 300 | Lowe's 8.5k | Jared 7.6k | Kay 7.6k | J Deere 5k | CareCredit 6.6k | Home Depot 14k | Amazon 4.75k | PayPal SC 4k | Chevron 2.5k | Macy's 1.5k | J Crew 9.2k | +4 Cards
Frequent Contributor
denver133
Posts: 266
Registered: ‎12-29-2010
0

Re: US Bank no longer reporting at end of month?

Just want them to report.  Going from 64% down to 7%.  Need the bump!  


Starting MyFico Scores: EX ??? EQ 433 TU 464 on 1/25/13
Current MyFico Scores: EX 673 EQ 685 TU 684 on 10/13/14
Goal Score: 720


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Established Contributor
newUser0
Posts: 938
Registered: ‎12-13-2013
0

Re: US Bank no longer reporting at end of month?

+1

US Bank messed up my util ratio. I always used to maz 98% of the card and PIF before statement date. 

Last month, it reported 98% even before the statement and NOT reported for a long time after I PIAD IN FULL..

Frequent Contributor
denver133
Posts: 266
Registered: ‎12-29-2010
0

Re: US Bank no longer reporting at end of month?

US Bank updated overnight.  

 

Really saddened by the 5 point bump for paying down from 64% to 4%.   5 POINTS!  Seriously?


Starting MyFico Scores: EX ??? EQ 433 TU 464 on 1/25/13
Current MyFico Scores: EX 673 EQ 685 TU 684 on 10/13/14
Goal Score: 720


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Established Contributor
thelethargicage
Posts: 707
Registered: ‎09-19-2012
0

Re: US Bank no longer reporting at end of month?

I just checked my EQ and EX and they reported the balance on my Cash+ on 3/31


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Regular Contributor
mechanicaljen
Posts: 144
Registered: ‎11-09-2013
0

Re: US Bank no longer reporting at end of month?

Went 2 months with no reporting, then reported 5 days before the due date.  Really screwed up my util :smileysad:



Starting Score: EQ: 570 TU: 626 EX: 594 (11/9/13)
Current Score: EQ: 663 TU: 648 EX: 650 (5/2/14)
Goal Score: 750


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Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Re: US Bank no longer reporting at end of month?

yea i had that same issue at the end of february-no update on equifax for like 3 weeks. it was fine on TU and Experian though.

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