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Super Contributor
Posts: 9,357
Registered: ‎06-19-2013
0

Capital One reporting To CRA

I have an quick question about how capital one and credit cards in general report to the Credit reporting Agencies. I had my last cap one bill statement cut on the eight of august, I only got score watch update about cap one reporting with new balance today. Does it usually take over an week for them to report after the statement cuts ? Is that how most cc are an week after statement cuts , they report to CRA?



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 7/6/15 786 Fako 808 Creditkarma 5/11/15
Valued Member
Posts: 40
Registered: ‎08-11-2013
0

Re: Capital One reporting To CRA

I'm not real sure about the amount of time it takes BUT I did read that Cap One is lagging due to the transition of HSBC or something like that. One of my Cap One cards updated today (score watch alert) but I still have one other & my auto loan with them that is still not updated.
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: Capital One reporting To CRA

Community Leader
Senior Contributor
Posts: 28,750
Registered: ‎02-07-2013
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Re: Capital One reporting To CRA


mongstradamus wrote:

I have an quick question about how capital one and credit cards in general report to the Credit reporting Agencies. I had my last cap one bill statement cut on the eight of august, I only got score watch update about cap one reporting with new balance today. Does it usually take over an week for them to report after the statement cuts ? Is that how most cc are an week after statement cuts , they report to CRA?


My Cap1's take a few days a week at most

This point should be stressed more here an app spree should not be encouraged because its not for every profile
A thick file will support more apps at one time while a thin file may see negative reaction to this process

IMHO 4+ at one time is to many for a new file and it should be kept to 1-3 a year but we get caught up sometimes in seeing the little wheel spin and the words approved
Super Contributor
Posts: 9,357
Registered: ‎06-19-2013
0

Re: Capital One reporting To CRA

hmm i guess i should wait an week give or take before i should see them report. On an side not i was recently added as AU to wellsfargo account, do i need to wait till statement cuts before i see it added to my credit report or should it be instant and show up with last months info ?



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 7/6/15 786 Fako 808 Creditkarma 5/11/15

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