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Super Contributor
Posts: 8,883
Registered: ‎06-19-2013
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Cap one not reporting to TU

I opened an cap one secured card over the summer. It has reported twice to equifax and three times to experian, but hasn't reported to TU yet. What are my options to get this resolved because i think Cap one and TU are both giving me the run around. At first Cap one told me to dispute the account thru TU, but I got an letter back saying everything on the account has been verified. I called cap one again and they told me to call TU since it wasn't an problem with them. TU says they will now dispute it, but I am not sure anything will come of it. I was thinking of canceling the card, but I already got the triple pull from Cap one so the damage is done already. What options do i have ?



EX Fico 774 3/3/15 Fako 808 CS/Credit.com 11/24/14
EQ SW bank enhanced 3/24/15 819 CK fako 807 2/7/15
TU Fico Barclay's 3/26/15 791 TU fico walmart 3/23/2015 788 Fako 808 Creditkarma 3/23/15
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Registered: ‎09-13-2012
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Re: Cap one not reporting to TU

Is your information on your TU report accurate? Ie name, address etc? If so, ask Cap 1 to do an off cycle report.
Keep in mind, lenders are not required to report to the CRAs; only that if they report the information must be accurate.
Super Contributor
Posts: 8,883
Registered: ‎06-19-2013
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Re: Cap one not reporting to TU


09Lexie wrote:
Is your information on your TU report accurate? Ie name, address etc? If so, ask Cap 1 to do an off cycle report.
Keep in mind, lenders are not required to report to the CRAs; only that if they report the information must be accurate.

yes everything that i know of is accurate on my TU report, the only reason i was asking is that cap one was promoting that they report to all three 3 cra. I will check and see if there are any changes in new few weeks or so . 



EX Fico 774 3/3/15 Fako 808 CS/Credit.com 11/24/14
EQ SW bank enhanced 3/24/15 819 CK fako 807 2/7/15
TU Fico Barclay's 3/26/15 791 TU fico walmart 3/23/2015 788 Fako 808 Creditkarma 3/23/15
Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
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Re: Cap one not reporting to TU

Cap 1 generally does report to all 3. That's why the poster was asking about your personal info at TU. The bureaus use that info to match the records. As suggested you may ask Cap 1 to do an off cycle report and see if that catches it. If not their Executive Office is great at solving problems.

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Established Contributor
Posts: 1,027
Registered: ‎04-22-2013
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Re: Cap one not reporting to TU

TU AND EQUIFAX takes forever to update anything lol CapOne reports to all three, Experian updates the next day, EQ/TU takes a few days/weeks etc.

     
Super Contributor
Posts: 8,883
Registered: ‎06-19-2013
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Re: Cap one not reporting to TU


tonyjones wrote:

TU AND EQUIFAX takes forever to update anything lol CapOne reports to all three, Experian updates the next day, EQ/TU takes a few days/weeks etc.


Yeah i know TU takes forever and an day to report:-( but EX and EQ had reported for two months already, so i was unsure about why TU wasn't getting updated as well. Now it looks like TU is finally reporting I don't know if that phone call was the cause or is was just coincedental. 



EX Fico 774 3/3/15 Fako 808 CS/Credit.com 11/24/14
EQ SW bank enhanced 3/24/15 819 CK fako 807 2/7/15
TU Fico Barclay's 3/26/15 791 TU fico walmart 3/23/2015 788 Fako 808 Creditkarma 3/23/15
Member
Posts: 7
Registered: ‎05-14-2014
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Re: Cap one not reporting to TU

I'm in the same boat - auto loan open since early June, TU only shows the first month and nothing for July and Aug :/

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