Venture only reporting to 1 cra

[taxi818]

I just updated my reports here at my fico yesterday. Noticed my experian scores lower than the others. So I check the actual reports. 

My venture card is reporting but only to experian. I have 3 cap one cards in all and they typically report to all 3. Could this be a one time thing? I had a 400 balance. So it shows a little higher utilization than the other bureaus 1% I think so that's the difference is scores but this is my only account not reporting to all 3. Maybe cap one doesn't want to spend money reporting like that. I know they pulled all 3 to approve card. I'm speechless virtually. 

[Sneakytiki]

How long has it been? Capital One could be taking their time reporting. I've seen stuff take up to a few weeks to finally update on TU and sometimes EQ while EX is always within days.

[Blodreina]

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@Sneakytiki wrote:
How long has it been? Capital One could be taking their time reporting. I've seen stuff take up to a few weeks to finally update on TU and sometimes EQ while EX is always within days.

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This.  And I've seen the bureaus vary from time to time, in terms of some showing changes more quickly than others.

[taxi818]

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@Sneakytiki wrote:
How long has it been? Capital One could be taking their time reporting. I've seen stuff take up to a few weeks to finally update on TU and sometimes EQ while EX is always within days.

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Well I apped for the card exactly 1 month ago on 5-6-15. Took 10 days to get. Had it 3,weeks. Was kinda shocked it reported so fast. Ok we will wait and see if it reports to other 2 bureaus or not. 

[Credit-hoarder]

@taix818: If I recall I app'ed for mine the day before you did--May 5th. Mine just showed my when my first payment is due (June 25th) this past Thursday. Generally when that happens it reports to the bureaus 2 to 3 days later. In my case I haven't seen a "new account alert" here on my EQ CR tracking so I know it's not on EQ just yet but should be any time now. Hopefully the UTIL drop from the $15K CL will negate the new acct. ding to my score I'll receive.

[taxi818]

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@Credit-hoarder wrote:

@taix818: If I recall I app'ed for mine the day before you did--May 5th. Mine just showed my when my first payment is due (June 25th) this past Thursday. Generally when that happens it reports to the bureaus 2 to 3 days later. In my case I haven't seen a "new account alert" here on my EQ CR tracking so I know it's not on EQ just yet but should be any time now. Hopefully the UTIL drop from the $15K CL will negate the new acct. ding to my score I'll receive.

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I was thinking same this as far as new account ding. But my score did not change. My util is a solid 10 percent. I expect a boost each percentage point I go down now. No more apps for me. Now this has hit. My due date is June 28th. 

[Credit-hoarder]

OP: Just puled my EX CR here on myFico and my Venture is reporting now also----and so is my Lowe's I just got approved for on Thursday! And even more weird Lowe's pulled EX for my approval and not TU! My UTIL on EX is down to 9% with the extra $20K in new credit reporting, but I still took a 1 pt. score drop down to 682  I hope it doesn't drop anymore once FIA AMEX starts to report...

[taxi818]

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@Credit-hoarder wrote:

OP: Just puled my EX CR here on myFico and my Venture is reporting now also----and so is my Lowe's I just got approved for on Thursday! And even more weird Lowe's pulled EX for my approval and not TU! My UTIL on EX is down to 9% with the extra $20K in new credit reporting, but I still took a 1 pt. score drop down to 682  I hope it doesn't drop anymore once FIA AMEX starts to report...

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You will probably lose a few more points from the new account. but it will rebound quickly. i think you said you were looking for a mortgage. so after best to let some time get under your belt. I may go for the lowes. since amex is being so stingy. just to help my overall util. still havent made up my mind if i will take a hit on my tu. its my highest because it has the least amount of inquiries.BTW. how much did you get on your lowes?. i hope you asked them to raise it to 25k.

[ScoreOrBeScored]

I got approved for Venture April 13th 

my 2nd statement cuts today (7th) and it's NOT report at all YET.. So yuh they're taking their time.

[Credit-hoarder]

@taxi818: No my mortgage will be done and PIF hopefully by July 3rd (I made 2 payments this month to get it done and report PIF quicker). I app'ed in-store for Lowe's and got $1500--I thought this was a good sign since i didn't get the traditional $300 or $800. So I called Credit Solutions and asked for $15K.....the most they would let me have is $5K.  Really wasn't worth the extra TL for that--especially after watching people all week long this past week get $15K, $25K, and $35K on FIRST recon. I managed to get my full card # the next day, got on chat and asked for $10K---NOPE. I made a $10 purschsed and paid it back already--and it's going into the SD right next to Wal Mart M/C until next Summer and if the CL still doesn't go anywhere by then it's getting a Genereal discharge from this Army-LOL. H**L--even $10K would have made me quite happy!