topic Re: 5/24 Question in Credit Cards

5/24 Question

CBartowski — Thu, 26 Dec 2019 23:48:44 GMT

Does anyone know if 5/24 only applies to Experian (the CB that got pulled when I applied for CSR) or if its across all 3 CBs?

Thanks

Re: 5/24 Question

gdale6 — Thu, 26 Dec 2019 23:51:40 GMT

@CBartowski wrote:
Does anyone know if 5/24 only applies to Experian (the CB that got pulled when I applied for CSR) or if its across all 3 CBs?

Thanks

All CBs.

Re: 5/24 Question

Anonymous — Fri, 27 Dec 2019 00:01:33 GMT

@CBartowski wrote:
Does anyone know if 5/24 only applies to Experian (the CB that got pulled when I applied for CSR) or if its across all 3 CBs?

Thanks

But do you have one or more accounts that report only to Experian?

Re: 5/24 Question

CBartowski — Fri, 27 Dec 2019 00:04:07 GMT

@Anonymous wrote:
@CBartowski wrote:
Does anyone know if 5/24 only applies to Experian (the CB that got pulled when I applied for CSR) or if its across all 3 CBs?

Thanks
But do you have one or more accounts that report only to Experian?

Going through my credit reports on LifeLock Chase is only on my Experian report. I think Citi and AMEX were only on my EX as well.

Re: 5/24 Question

Anonymous — Fri, 27 Dec 2019 00:31:13 GMT

@CBartowski wrote:
@Anonymous wrote:
@CBartowski wrote:
Does anyone know if 5/24 only applies to Experian (the CB that got pulled when I applied for CSR) or if its across all 3 CBs?

Thanks
But do you have one or more accounts that report only to Experian?
Going through my credit reports on LifeLock Chase is only on my Experian report. I think Citi and AMEX were only on my EX as well.

I have never heard of Chase, Citi, or Amex only reporting to Experian . My accounts reported to all three. Are you sure you are looking at the accounts and not the inquiries section? The inquiry will only be on Experian but the account itself will be on all three. Try looking at your TU and EQ report directly from annualcreditreport.com and not via lifelock.

Re: 5/24 Question

coldfusion — Fri, 27 Dec 2019 00:36:22 GMT

@CBartowski wrote:
@Anonymous wrote:
@CBartowski wrote:
Does anyone know if 5/24 only applies to Experian (the CB that got pulled when I applied for CSR) or if its across all 3 CBs?

Thanks
But do you have one or more accounts that report only to Experian?
Going through my credit reports on LifeLock Chase is only on my Experian report. I think Citi and AMEX were only on my EX as well.

You've got something wrong somewhere, as all of these issuers routinely report to all 3 major CRAs.

When was the last time you requested each of your reports directly from each CRA individually in writing? I don't mean consolidated reports from sites like freecreditreport.com.

Re: 5/24 Question

I_Love_Cards — Fri, 27 Dec 2019 00:59:17 GMT

It is the number of new accounts opened in the last 24 months. The banks you've listed will report accounts to all 3 bureaus (the inquiries are usually on just one or 2, but the number of inquiries doesn't matter for 5/24-only how many accounts).

Re: 5/24 Question

CBartowski — Fri, 27 Dec 2019 01:21:30 GMT

@Anonymous wrote:
@CBartowski wrote:
@Anonymous wrote:
@CBartowski wrote:
Does anyone know if 5/24 only applies to Experian (the CB that got pulled when I applied for CSR) or if its across all 3 CBs?

Thanks
But do you have one or more accounts that report only to Experian?
Going through my credit reports on LifeLock Chase is only on my Experian report. I think Citi and AMEX were only on my EX as well.
I have never heard of Chase, Citi, or Amex only reporting to Experian . My accounts reported to all three. Are you sure you are looking at the accounts and not the inquiries section? The inquiry will only be on Experian but the account itself will be on all three. Try looking at your TU and EQ report directly from annualcreditreport.com and not via lifelock.

You were 100% correct, thank you!