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Super Contributor
Posts: 8,183
Registered: ‎03-25-2007
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When a local store card does not report your account, apparently you can add it

This is important to me as I have a relatively short credit history in the States, and one of my two old accounts (9 years) does not report to EX

According to an accredited Credit Counseling Agency:

http://knowdebt.org/index.php

Check each credit report for missing accounts.  A smaller or local creditor may not have reported your account information to a credit bureau.  If the information is positive, you can ask the bureau to add it to your report (for a fee) although it might not be updated.

Anyone heard of this or tried it?

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: When a local store card does not report your account, apparently you can add it

I am working on the same right now. Seem to be making some head way. I have several "Good" account not on EXP or Eq - This is why my TU is much higher.
Super Contributor
Posts: 8,183
Registered: ‎03-25-2007
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Re: When a local store card does not report your account, apparently you can add it

I am in the same boat - one reason my EX is low is that accounts are young.
 
The store in question will be sending me a letter, so I will see what I can do.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: When a local store card does not report your account, apparently you can add it

You can ask them to report... It shouldn't cost you anything.
 
Valued Member
Posts: 52
Registered: ‎04-27-2007
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Re: When a local store card does not report your account, apparently you can add it

How do you get them to report it? Do you have to write them a letter or call them over the phone and request it?
Super Contributor
Posts: 8,183
Registered: ‎03-25-2007
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Re: When a local store card does not report your account, apparently you can add it



Jay1987 wrote:
How do you get them to report it? Do you have to write them a letter or call them over the phone and request it?


Well, calling and emailing EX has got me nowhere except irrelevant automated responses  :smileyvery-happy:
 
So when I get the letter from the store I will send a copy by snail mail (registered) and see what response I get.  I figure the whole process will take about 3 months.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: When a local store card does not report your account, apparently you can add it

You have to ask the creditor to report.. not the CRA.
Super Contributor
Posts: 8,183
Registered: ‎03-25-2007
0

Re: When a local store card does not report your account, apparently you can add it

I am asking the store to send me a letter which I will send to EX.  The store only reports to TU and EQ at the moment
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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