Why is it CCA's & MyFico have a quick trigger finger to report negative info?

[Madison]

My wife has been getting MyFico Alerts within a few days when she makes a purchase with one of her credit cards stating that her balance went up on CC. However, she has PIF 3 of her credit cards and we are still waiting to see anything from CCA's and/or MyFico Credit Alert. Shouldn't she at least get a credit alert saying her credit card balance has gone down?

I have had 3 credit cards increase my CL and I have paid off one of my credit cards in full over several weeks ago and I haven't gotten any alerts or changes in my credit score from Equafax...Why is it that these CCA's are so quick to post negative credit info but drag their feet in adding positive actions which would raise your credit scores! Frustrated in Madison!

[MidnightVoice]

Credit balance decreases do NOT trigger alerts.

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TheNewWorldMan wrote:
Remember that credit bureaus use different methods to receive and process good versus bad credit information.

Information that would negatively affect your credit rating--like a late pay or charge-off--is instantly beamed from the creditor to the agency via Department of Defense 256-megabit fiber optic lines and written to their servers in 8.6 milliseconds.

Information that would positively affect your credit rating is scribed onto scrolls in special ink by Gregorian monks, which are then painstakingly illuminated. The Credit Scrolls are then placed onto camel caravans which wind their way to the credit bureau headquarters by way of Marrakesh, Dubai, and Tripoli. Once the caravan reaches Equifax, Experian or TransUnion, the scrolls are then laid out in the sun for a week so that the special ink can be read. (Note that the weather around the credit bureau headquarters is notoriously gloomy, like FICO itself, so finding seven consecutive days of sunshine can be quite an ordeal in and of itself.) Only then can the information finally be encoded into your credit files...

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