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Established Member
Posts: 20
Registered: ‎07-08-2008
0

store cards not reporting

In July I opened a VS store card and a Macy's store card. Both have shown up as inquiries, but are not reporting. I have made several purchases with each and paid them off in full. How long does it usually take before they report?
Regular Contributor
Posts: 208
Registered: ‎10-15-2008
0

Re: store cards not reporting

For me, macys reported about 2 weeks after my first purchase
Established Contributor
Posts: 851
Registered: ‎07-01-2008
0

Re: store cards not reporting

Macys reported fairly quick for me to EX and EQ but still has not reported to TU. Had the card since mid august.
Established Contributor
Posts: 851
Registered: ‎07-01-2008
0

Re: store cards not reporting

Tauru

when you opened VS do you know who they pulled. I believe they only pull EX here in so cal. Also what CL did they give?

Thanks

Established Member
Posts: 20
Registered: ‎07-08-2008
0

Re: store cards not reporting

carter-

 

they pulled experian and I got a CL of 350 

Regular Contributor
Posts: 207
Registered: ‎02-04-2008
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Re: store cards not reporting

Some stores only report when you use the card. Example: you get the card in March. You use it in March and it reports to your credit file. The you don't use it anymore. It won't report until you used it again in say September. Jcp/GEMB is particularly bad about this.
2/2008-EQ-660-EX-672-TU-686
2-29-08 EQ-697-EX-706-TU-699 7/2008-EQ-741-EX-741-TU-765
Contributor
Posts: 186
Registered: ‎02-16-2008
0

Re: store cards not reporting

Are there any that are particularly good about reporting to all three every month?
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: store cards not reporting


D_Boone wrote:
Some stores only report when you use the card. Example: you get the card in March. You use it in March and it reports to your credit file. The you don't use it anymore. It won't report until you used it again in say September. Jcp/GEMB is particularly bad about this.

What effect does this have on your FICO, if any?  I just opened some accounts with GEMB.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
0

Re: store cards not reporting


pdxuser wrote:
Are there any that are particularly good about reporting to all three every month?

Home Depot store card (from Citi.) You don't have to be a home-owner --you can go buy a plant or dust cloths or something.

Best Buy store card (from HSBC), at least so far. I need to remember to stop by and get more blank CD's, or they'll shut me down.

Watch out for WFNNB, too (Express, J.Crew, Vicky's Secret, etc.) My J.Crew card would report that I had a balance, and then wouldn't bother to report that I had paid it off. The balance would display for 2 and 3 months before I could get them to update (had to dispute through the CRA's to make it happen.)

pdxuser, you're overthinking this thing! Go get your first card from your CU and get this thing rolling. Starting from scratch with no baddies: the credit world is laid out before you.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Contributor
Posts: 186
Registered: ‎02-16-2008
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Re: store cards not reporting


haulingthescoreup wrote:
pdxuser, you're overthinking this thing!

 

Ha! I know.

 

So ... I'm guessing Best Buy and Home Depot aren't quite as easy to get as Macy's?

 

(I'm incorrigible.)

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