Credit Card Center Advertiser Disclosure†
07-03-2008 03:46 PM
I use TrueCredit, and I'm familiar with it, so I don't know which other services (CreditSecure, etc.) also show the full MM/DD/YYYY. No one will show this for EQ; even they don't show the day. (I think this is why EQ gets blank boxes instead of green squares on TC --that's my guess, anyway.) But if you can pull as often as daily, even if they don't display the full date, faithful daily pulling will help you find out.
07-03-2008 05:43 PM - edited 07-03-2008 05:58 PM
07-03-2008 06:16 PM
AmEx, in my experience, report whenever they **bleep** (ooh! a bleep! it wasn't a VERY bad word, it was just 'd*mn'!) well please. They definitely report the balance from the previous statement, as mentioned before... but while they USUALLY do it right around the time the new statement cuts, in June they reported 2 weeks AFTER the May statement cut. I was checking and checking like a madwoman to see my lovely 'new'(2 months out of date) balance and even lovelier CLI, and it finally hit a full 13 days after the (new) statement closing date. The June statement has, of course, closed already (on June 25th) and I'm yet to see AmEx report to the CRAs. Now I'm expecting to see an update mid-month, as happened last month... we shall see!
That's for my Delta SkyMiles. The Blue I got in May is yet to appear - judging by past experience I'd expect it to show up shortly after the second statement closing date (which I think will be July 13, if I remember right) - but now... who knows!?
Message Edited by fevmlo on 07-03-2008 08:58 PM
07-04-2008 01:15 AM
hey guys, when do credit cards companies report to the CRA's? I know each company report at different times, so can we come up with a list of when each credit card company report? thanks reason being, i called citibank and the reps (spoke to 2) did not know when they report. HSBC CHASE CITIBANK AMERICAN EXPRESS WAMU DISCOVER ETC Message Edited by oracles on 07-02-2008 09:18 PM
Message Edited by oracles on 07-02-2008 09:19 PMWe can't make such a list because it's different for everyone. The vast majority of CCCs report on or around each statement date. A notable exception is HSBC, which reports on the last business day of the month. Amex reports the statement balance, but they report about a month behind.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.