topic Re: Macys reporting weird! in Credit Cards

Macys reporting weird!

icyhot — Mon, 28 Sep 2015 20:06:13 GMT

I logged onto Credit Karma and say that my Macys card had been shown as "removed from my credit report" and subsequently added back on. I thought it was becase of the switch but its still listed as the same lender. Whats worse is that even after it reported as a new account, it still shows my old credit line of $2800 and my old balance of $1333. Call me crazy but I'd love for that $10K credit line and $0 balance to show up. What gives?

Re: Macys reporting weird!

icyhot — Tue, 29 Sep 2015 20:33:24 GMT

Anyone?

Re: Macys reporting weird!

Anonymous — Tue, 29 Sep 2015 20:41:35 GMT

I haven't checked my CK lately, but on here, Macy's reported my mattress purchase from June as a new purchase on my existing account and my Eq score dropped. Then they zeroed out one account.

I don't think they have the reporting straight yet.

Re: Macys reporting weird!

Anonymous — Tue, 29 Sep 2015 20:42:01 GMT

I find CK to be very...misleading at times. Have you checked your CRs from myFico?

Re: Macys reporting weird!

Anonymous — Tue, 29 Sep 2015 20:45:01 GMT

The best way to control utilization is to pay in full when due. That being said, they pretty much just started this whole process it seems like and there are likely bugs to be worked out of it. Until then, there isn't much you can do but follow the advice at the beginning of this post.

Re: Macys reporting weird!

FinStar — Tue, 29 Sep 2015 20:45:28 GMT

I would go by what's on your actual credit reports instead of relying on Credit Karma. As you're aware, while useful to a certain extent, CK lacks accuracy when it comes to reporting some tradeline information. Have you accessed any of your actual reports to get a true picture on how it's reporting?

Keep in mind it may take a while for Macy's to catch up on reporting most of the recent changes.

Re: Macys reporting weird!

Anonymous — Tue, 29 Sep 2015 20:48:27 GMT

You can't see the actual reporting on here unless you pay more than the $24.95 a month fee.

Ck is good to see account by account reporting on TU and Eq of course disregarding their scores.

Re: Macys reporting weird!

Anonymous — Tue, 29 Sep 2015 20:48:46 GMT

@Anonymous wrote:
You can't see the actual reporting on here unless you pay more than the $24.95 a month fee.

Ck is good to see account by account reporting on TU and Ex of course disregarding their scires.

Since when do they provide Experian data? 😄

Re: Macys reporting weird!

Anonymous — Tue, 29 Sep 2015 20:51:00 GMT

@Anonymous wrote:
@Anonymous wrote:
You can't see the actual reporting on here unless you pay more than the $24.95 a month fee.

Ck is good to see account by account reporting on TU and Ex of course disregarding their scires.
Since when do they provide Experian data? 😄

That was a typo I corrected via edit.

Re: Macys reporting weird!

TiggerDat — Tue, 29 Sep 2015 23:20:57 GMT

Before reading this I had just checked CK. Mine shows removed and added, the new account reflects my updated limit. Yours will probably update when they report next I would think.

Re: Macys reporting weird!

pip3man — Tue, 29 Sep 2015 23:22:30 GMT

Macy's is currently reporting my new combined limit ($27k) on EX. But the weird thing is my account has a $0 balance but they reported the new limit with an old balance from few months ago that I actually paid off as soon as it posted to my account. Go to Experian's website and cross check your report.