topic Re: Chase Ink account reported to Transunion personal credit report? in Business Credit

Chase Ink account reported to Transunion personal credit report?

aznboi89x — Mon, 09 Oct 2023 18:16:26 GMT

Hello everyone,

I was approved for chase ink unlimited (5/2023) and ink cash (6/2023), and denied for ink cash (9/2023). I spoke to recon and they said my transunion personal credit report had my chase ink unlimted (5/23). I thought ink cards are only reported on business reports?

I always pay on time and never had any late penalties. Did I miss something? Any advice is greatly appreciated!

Re: Chase Ink account reported to Transunion personal credit report?

GZG — Mon, 09 Oct 2023 18:27:56 GMT

@aznboi89x wrote:
Hello everyone,

I was approved for chase ink unlimited (5/2023) and ink cash (6/2023), and denied for ink cash (9/2023). I spoke to recon and they said my transunion personal credit report had my chase ink unlimted (5/23). I thought ink cards are only reported on business reports?

I always pay on time and never had any late penalties. Did I miss something? Any advice is greatly appreciated!

they could have pulled your personal transunion when applying for a chase business card

you need to check what is being reported to your TU report, it would be highly unusual for Chase to be reporting business cards to personal credit without you having been late

https://www.annualcreditreport.com/

https://service.transunion.com/

Re: Chase Ink account reported to Transunion personal credit report?

aznboi89x — Mon, 09 Oct 2023 18:43:35 GMT

The transunion report showed one of my chase inks reported. Do I dispute to the credit bureau?

Re: Chase Ink account reported to Transunion personal credit report?

CreditCuriosity — Mon, 09 Oct 2023 18:45:00 GMT

I think you likely are getting a HP against personal credit confused with the card reporting credit limit and payments to your personal credit. They will always pull your personal credit for small business credit cards

Re: Chase Ink account reported to Transunion personal credit report?

GZG — Mon, 09 Oct 2023 18:45:23 GMT

@aznboi89x wrote:
The transunion report showed one of my chase inks reported. Do I dispute to the credit bureau?

the tradeline from the card or the inquiry?

there are no lates, it's just a positive tradeline being reported?

I would start with Chase and ask why probably?

Re: Chase Ink account reported to Transunion personal credit report?

aznboi89x — Mon, 09 Oct 2023 18:47:53 GMT

Chase Recon said account opening was part of their 5/24... unless the agent meant to say too many hard pulls in short amount of time. hmm..

Re: Chase Ink account reported to Transunion personal credit report?

SouthJamaica — Mon, 09 Oct 2023 18:54:15 GMT

@aznboi89x wrote:
Hello everyone,

I was approved for chase ink unlimited (5/2023) and ink cash (6/2023), and denied for ink cash (9/2023). I spoke to recon and they said my transunion personal credit report had my chase ink unlimted (5/23). I thought ink cards are only reported on business reports?

I always pay on time and never had any late penalties. Did I miss something? Any advice is greatly appreciated!

You should look at your report yourself. I'm sure they misspoke if they were telling you the account has reported to your personal credit.

Re: Chase Ink account reported to Transunion personal credit report?

GZG — Mon, 09 Oct 2023 19:19:53 GMT

@aznboi89x wrote:
Chase Recon said account opening was part of their 5/24... unless the agent meant to say too many hard pulls in short amount of time. hmm..

to help yourself when you call back, list out here or for yourself what your cards are within the last 24 months on your report so when you call back you can go, I'm at X/24, the last cards within 24 months were: A, B, C, D

if they don't like your inquires:

"I understand I have X inquries, these inquires were for the following, I'm not overextended I'm good, pls give card"

Re: Chase Ink account reported to Transunion personal credit report?

aznboi89x — Mon, 09 Oct 2023 19:19:02 GMT

I just looked at it and the account number associated to the ink card was reported to transunion.

Re: Chase Ink account reported to Transunion personal credit report?

Blender — Mon, 09 Oct 2023 20:07:07 GMT

@aznboi89x wrote:
I just looked at it and the account number associated to the ink card was reported to transunion.

SLOW DOWN. You just keep repeating yourself.

Multiple people are asking WHAT is being reported. We get that it is on there. What section is it under?: accounts, inquiries, etc.. As mentioned, it is probably very normal to see it there and if it hasn't affected any category of your score, it's not a big deal.

Re: Chase Ink account reported to Transunion personal credit report?

mikeef — Thu, 19 Oct 2023 01:21:27 GMT

@aznboi89x wrote:
Hello everyone,

I was approved for chase ink unlimited (5/2023) and ink cash (6/2023), and denied for ink cash (9/2023). I spoke to recon and they said my transunion personal credit report had my chase ink unlimted (5/23). I thought ink cards are only reported on business reports?

I always pay on time and never had any late penalties. Did I miss something? Any advice is greatly appreciated!

I have all 3 Inks, Unlimited (2021), Cash (2018) & Preferred (2019) and none of them have ever reported to my personal. I think they meant which CRA was pulled by saying TransUnion.