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When does discover report your account opening to credit bureaus?

New Member

When does discover report your account opening to credit bureaus?

Hello all, 

 

I recieved my Discover it  student card in the mail today and activated it this morning. I was just wondering when Discover usually reports the account opening to TransUnion, Equifax, etc. I recently recieved and activated my Barclay Apple Rewards card and that was added to my report before the physical card even arrived in the mail. Any general ideas on this timeframe would be great. 

 

Thanks, 

 

Elle 

Message 1 of 23
22 REPLIES
Valued Member

Re: When does discover report your account opening to credit bureaus?

I think it took around 2-3 weeks for me. I believe I applied around the end of November and it reported around mid December.

I wish I could be more accurate but I got it without a HP, but congrats on your new card!!
A noble spirit embiggens the smallest man.
Message 2 of 23
Established Contributor

Re: When does discover report your account opening to credit bureaus?

After the first statement cut.
Message 3 of 23
Highlighted
Frequent Contributor

Re: When does discover report your account opening to credit bureaus?

Well I applied for my secured account with Discover on Oct 9. When I pulled my credit reports on Nov. 3, it was already there. So less than a month. My first payment wasn't due til Nov. 19.
2017/09 FICO8: EQ:585, TU:549, EX:580 | No opened accounts | 1 unpaid CO, 1 paid CO + related Col | several lates 2.5+ yrs ago
Current FICO8: EQ:702, TU:670, EX:669 | CC Util 4.6% | 2 paid CO + 1 related Col (all fall off 12/2018) | 3x 30 day lates 3-6yrs ago
AAoA: 10 to 11 years; Opened Acc Only: 4 months
INQ (Eq/Tu/Ex): 2 / 1 / 2
Message 4 of 23

Re: When does discover report your account opening to credit bureaus?

Yup mine was before the statement cut too.

I was approved on 2/1, and had some issues receiving the card (still in the mail) and saw that it reported around 2/9 to CBs with a account start of 2/1 and 0% util. It was a pre-approval.
Message 5 of 23
Regular Contributor

Re: When does discover report your account opening to credit bureaus?

My discover it was approved and opened 1/11. It reported the new account on 1/24.

Rebuild Beginning: EX 524 (2/2017) | EQ 542 (5/2017) | TU 554 (5/2017)
Fico 8 (2/2018)
EX 681 | EQ 653 | TU 640
Message 6 of 23
Established Contributor

Re: When does discover report your account opening to credit bureaus?

Mine reported quickly also, within a couple of weeks.

Message 7 of 23
Established Contributor

Re: When does discover report your account opening to credit bureaus?


@Minerwrote:
Well I applied for my secured account with Discover on Oct 9. When I pulled my credit reports on Nov. 3, it was already there. So less than a month. My first payment wasn't due til Nov. 19.
This means your first statement was cut on Oct 24th as Discover gives you 25 day grace period (Nov 19th), same day Discover reported to the CBs.
Message 8 of 23
Established Contributor

Re: When does discover report your account opening to credit bureaus?

Opened 1/24

Received and activated card 1/29

First statement cut 2/6

Reported 2/7 just in time for my monthly 3b pull.

 

 

 

Sidenote - Amex was opened the same day, claimed 2-3 business days to get the card whereas Disco said 3-5, i got the Disco first.... and Amex still hasnt cut a statement yet or reported

In the garden since 01/24/18 = Last FICO Update: 02/07/18 = EX 663 = TU 667 = EQ 723 = Everything is better with cowbell.
Message 9 of 23
Established Contributor

Re: When does discover report your account opening to credit bureaus?


@TheCreditGamewrote:

Opened 1/24

Received and activated card 1/29

First statement cut 2/6

Reported 2/7 just in time for my monthly 3b pull.

 

 

 

Sidenote - Amex was opened the same day, claimed 2-3 business days to get the card whereas Disco said 3-5, i got the Disco first.... and Amex still hasnt cut a statement yet or reported


AMEX reports after the second statement.

 

And, OP my Discover reported after the first statement cut.


FICO 08 (Feb 2018): EX 629 / EQ 620 / TU 666 - Gardening until 08/31/18!
Message 10 of 23