topic Re: HSBC reporting? in Credit Cards

HSBC reporting?

Anonymous — Wed, 12 May 2010 14:46:54 GMT

Has anyones HSBC card reported for last month yet? I completely paid off my card and really want to see if my scores get a bump, but it hasn't reported for April yet. UGH!

Re: HSBC reporting?

homerunstacy — Wed, 12 May 2010 14:59:48 GMT

I have HSBC Visa and MC. Both report consistently around the last day of the month give or take a couple days.

Still not seeing mine for April 31st yet either. Last reported was March 31st.

Re: HSBC reporting?

Anonymous — Wed, 12 May 2010 16:09:50 GMT

Just checked my reports and HSBC shows the last update as 03/2010.

They recently changed my closing date and when I requested they post the next closing

date they said I will have to call a CSR.

Looks like the sock drawer for this card

Re: HSBC reporting?

swins24 — Wed, 12 May 2010 16:42:13 GMT

Mine has not reported since February. But today when I updated my report from cct it was updated on my ex. I pull my report's everyday and yesterday it was not updated but now it is. I herd on other threads sometime's HSBC skip a month or two of reporting so i wasnt so concearned about it not reporting for a while.

Re: HSBC reporting?

Iincognito — Wed, 12 May 2010 16:44:42 GMT

I disputed my HSBC balance with all 3 CRAs. Let's see how quickly it gets updated.

Re: HSBC reporting?

bobtail — Wed, 12 May 2010 17:25:02 GMT

Hello,

I disputed HSBC reporting last month. It was fixed in three days! I was surprised. I have three HSBC accounts, the two I disputed were changed and the other remained the same.

Re: HSBC reporting?

Anonymous — Wed, 12 May 2010 22:31:50 GMT

My last update was 3/2010.

Re: HSBC reporting?

Anonymous — Wed, 12 May 2010 22:35:53 GMT

both of mine say 3/20/2010

Re: HSBC reporting?

Iincognito — Wed, 12 May 2010 22:52:25 GMT

FYI...

I disputed the balance with all 3 CRAs on 05/10/10; Experian just updated my balances to $0 as of 05/2010. I am sure the other CRA will follow shortly.

Re: HSBC reporting?

danlaxx1 — Wed, 12 May 2010 23:19:27 GMT

How do you know when they reported and why is it important?

Re: HSBC reporting?

Iincognito — Wed, 12 May 2010 23:31:33 GMT

RE: danlaxx1 "How do you know when they reported and why is it important?"

The update was important for me because Orchard was reporting a balance of $1898 on a credit limit of $2000 as of 02/2010. After the update, my current balance of $78 is being report which brings my overall utilization down to 2%.

Re: HSBC reporting?

homerunstacy — Thu, 13 May 2010 01:07:03 GMT

I wonder why they skip. Error or do you think it saves them money?

Re: HSBC reporting?

Macroman — Sat, 15 May 2010 04:36:04 GMT

I've seen a few cards lag a month or three, particularly when the balance is completely paid off. Generates more business for Myfico but I think it's just laziness on the part of the CCC.

Re: HSBC reporting?

Anonymous — Sun, 23 May 2010 22:22:11 GMT

fico reporting date is btwn 10th-15th and the use the last day of the month balance.

Re: HSBC reporting?

Anonymous — Mon, 24 May 2010 00:01:56 GMT

Looks like HSBC hard inq-ed me on 5-14. Anyone know why they would do this? ARGH! Can I get it removed?

Re: HSBC reporting?

BobbyJ — Mon, 24 May 2010 03:23:37 GMT

My balance was updated after a 2 month delay by simply doing an online dispute with the CRAs and stating that they verfiy balance and account info. It was updated 2 days after I filed the dispute online..... It worked very well!!!!

Re: HSBC reporting?

Anonymous — Mon, 24 May 2010 13:26:12 GMT

Just checked my credit report and HSBC has updated my account to April, 2010.

I suspect they do lag behind a month.

Same thing with my American Express Card. They have been updating around the first of the month

and I have a closing date on the 24 of the month. My account has updated in May already.

My problem with HSBC is getting them to provide me with a true closing date. I sent a secure message

and was told to contact a CSR which I did. Was informed closing date would be the 17th of May. Tried

to check out my balance on the 18th and nothing was updated, called CSR and again was told my closing

date was the 17th. Received an e-mail on Saturday from HSBC that my statement was available on line.

Checked out my account and my closing date was the 18th. Seems one can't win.

Not too concerned, just curious as to what their problems may be with providing correct information.