topic Re: How do I... in Credit Cards

How do I...

Anonymous — Fri, 22 Jul 2016 22:41:11 GMT

How do I get a TL report to all 3 CRA's? I have Victorias Secret credit card and keep getting CLI but for months now they only report to Experian. Do I contact the creditor or the cra's?

Re: How do I...

Anonymous — Fri, 22 Jul 2016 22:44:48 GMT

Creditors are not required to report if they don't want to. That said, have you used the card recently? Commenity will only report when there is usage.

Re: How do I...

Anonymous — Fri, 22 Jul 2016 22:51:40 GMT

I have used it and I left a balance of $10. report but it only updated on Ex.

Re: How do I...

Anonymous — Fri, 22 Jul 2016 23:04:50 GMT

Only Comenity can help you with that. The CRA's cannot "pull" accounts that are not being reported by the creditors, they can only accept what is reported.

For this account to appear on your other reports, you will have to get Comenity to "push" it on there by reporting it across all three bureaus.

As the prior posted mentioned, they are under no obligation to do so, and I have no idea if Comenity routinely reports to all three or not. If they do, they should fix it for you easily and get it to report. The CRAs are powerless to force Comenity to report something if they don't want to.

Re: How do I...

Anonymous — Fri, 22 Jul 2016 23:10:40 GMT

Thanks I'll give them a call and see if they'll report to all three.

Re: How do I...

Anonymous — Fri, 22 Jul 2016 23:27:12 GMT

what a pain! They want me to write a letter to their dispute department & ask for the account to be reported to all 3 agencies.

The person I spoke to insists that they only report to experian. I know that isnt true because I just have to look at my past reports. Does everything always need to be so difficult?

Re: How do I...

Anonymous — Fri, 22 Jul 2016 23:59:57 GMT

Yeah, unless the VS is different than other Comenity cards, the CSR was full of crap.

Re: How do I...

Dahlia77 — Sat, 23 Jul 2016 00:07:17 GMT

@Anonymous wrote:
what a pain! They want me to write a letter to their dispute department & ask for the account to be reported to all 3 agencies.

The person I spoke to insists that they only report to experian. I know that isnt true because I just have to look at my past reports. Does everything always need to be so difficult?

I have a Virgin America VS through Comenity and it reports to all 3 bureaus. Always has. I did note a poster above saying if there's no activity they don't bother dialing it in that month to the CRA's and that did happen once. But I think you should give it a go and call and see if you can speak to someone else because that is a categorical bunch of Bull---! On top of which Comenity frontline reps are often ignorant or completely asinine in their knowledge and the way the handle customer problems. Call again and see if you get someone more helpful. I have never heard of anyone complaining that it's only going to one CRA. MIght be others but I've read thousands of threads and never come across that one.

P.S. - You might have to put small spend on each month to get the data on your reports. (not a problem for me because I'm going for airline points and so use monthly).

Re: How do I...

Anonymous — Sat, 23 Jul 2016 00:58:52 GMT

Well, I guess I will call back and try again. It made no sense to me why I'd have to write to their credit dispute department.

I left a balance this month just to be sure it would report but that dodnt work.

Re: How do I...

Anonymous — Sat, 23 Jul 2016 01:50:22 GMT

Good luck OP! I hope you are able to get the problem resolved.

Re: How do I...

Loquat — Sat, 23 Jul 2016 12:36:41 GMT

How long have you had the account? Sometimes reporting can take a while to happen...and in some very rare instances it just doesn't happen at all. I've got a CapOne VentureOne card with a 10K limit that's almost 2 years old now and it has never reported. I always PIF but it's nice to know I have that card in my wallet in the event that I need to carry a balance. Now with that being said I have additional CapOne cards and they all report to each bureau. I don't know how or why my one card slipped through the crack but it indeed has...

Re: How do I...

Anonymous — Sat, 23 Jul 2016 13:07:52 GMT

@Loquat wrote:
How long have you had the account? Sometimes reporting can take a while to happen...and in some very rare instances it just doesn't happen at all. I've got a CapOne VentureOne card with a 10K limit that's almost 2 years old now and it has never reported. I always PIF but it's nice to know I have that card in my wallet in the event that I need to carry a balance. Now with that being said I have additional CapOne cards and they all report to each bureau. I don't know how or why my one card slipped through the crack but it indeed has...

Wow ... that is totally weird for Capital One product line....

Did you ever ask them why? Or are you happy that its like a secret trade line?

Re: How do I...

Anonymous — Sat, 23 Jul 2016 18:04:51 GMT

@Anonymous wrote:

Wow ... that is totally weird for Capital One product line....
Did you ever ask them why? Or are you happy that its like a secret trade line?

That was my thought about the OP! A hidden trade line on 2 CRAs. Keep it that way!

Re: How do I...

Anonymous — Sat, 23 Jul 2016 19:13:52 GMT

I hope you can get it fixed OP! Like the others said some card's just dont report to every bureau.

If you need places to use your victoria secret card, I think you can use it at Bath and Body Work's; atleast I remember reading something about that here at some point.

Re: How do I...

Anonymous — Sun, 24 Jul 2016 15:12:49 GMT

I called again yesterday and spoke to an agent that actually knew what she was doing. Told her I'd like account to report to all 3 cra's. She said she would set the account up to report to all three with no problem. She wasnt sure why the original person I spoke to would have told me to write a credit dispute. I guess now I'll just wait & see if it actually does report.

Re: How do I...

Loquat — Mon, 25 Jul 2016 00:43:42 GMT

@Anonymous wrote:
@Loquat wrote:
How long have you had the account? Sometimes reporting can take a while to happen...and in some very rare instances it just doesn't happen at all. I've got a CapOne VentureOne card with a 10K limit that's almost 2 years old now and it has never reported. I always PIF but it's nice to know I have that card in my wallet in the event that I need to carry a balance. Now with that being said I have additional CapOne cards and they all report to each bureau. I don't know how or why my one card slipped through the crack but it indeed has...

Wow ... that is totally weird for Capital One product line....
Did you ever ask them why? Or are you happy that its like a secret trade line?

Never actually bothered with asking. I'm okay with it being hidden as I have enough reporting tradelines. Figured if ever there was a time I needed to carry a balance, this card will be the one that's used.

Re: How do I...

Anonymous — Mon, 25 Jul 2016 00:53:28 GMT

@Anonymous wrote:
I called again yesterday and spoke to an agent that actually knew what she was doing. Told her I'd like account to report to all 3 cra's. She said she would set the account up to report to all three with no problem. She wasnt sure why the original person I spoke to would have told me to write a credit dispute. I guess now I'll just wait & see if it actually does report.

fingers crossed it happens quickly