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CC limits not showing up on CR

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Anonymous
Not applicable

CC limits not showing up on CR

Im starting to go over my reports with a fine tooth comb and noticing some aren't accurate with the cl amount and one doesn't even post one.  Are there guidelines for this, some report and some don't?  Do I reach out to the individual  cc companies via snail mail? I'm sure this is affecting my utilization.

Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: CC limits not showing up on CR

There may be reasons for this. Some credit cards are "flexible spending accounts" and dont post a limit to the bureaus. Another reason is that some credit cards dont update the limit if you had a zero balance when the statement cuts. If they dont have a balance to report, then they report nothing at all.
Message 2 of 9
Anonymous
Not applicable

Re: CC limits not showing up on CR

@johnnyconsumer.  Thanks for the info but what is flexible spending, not familiar with term. 

Message 3 of 9
Anonymous
Not applicable

Re: CC limits not showing up on CR

Its a card that allows you to go over the limit, but you have to pay the over limit balance before the due date. Many times a Visa Signature or World Mastercard are reported that way.
Message 4 of 9
takeshi74
Senior Contributor

Re: CC limits not showing up on CR

Aka an NPSL credit card.  People tend to conflate NPSL with charge cards but there are NPSL credit cards as well.

Message 5 of 9
RobertEG
Legendary Contributor

Re: CC limits not showing up on CR

I would begin by making an informal call to the creditor, asking what they are reporting.

Commercail credit reports often fail to include reported information.  I would first determine what the creditor is actually reporting.

Message 6 of 9
Revelate
Moderator Emeritus

Re: CC limits not showing up on CR

The vast majority of lenders report limits these days; BOFA was one of the last holdouts and even they switched like 3 years ago.

 

Which lenders and particular products aren't reporting the limits?




        
Message 7 of 9
RonM21
Valued Contributor

Re: CC limits not showing up on CR

Have any of your credit limits changed recently?


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 8 of 9
Anonymous
Not applicable

Re: CC limits not showing up on CR

@RM21  No, they haven't.  I might add that I'm looking at the reports from annualcreditreports.

Message 9 of 9
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