topic Re: HSBC CC in Credit Cards

HSBC CC

Anonymous — Thu, 30 Jun 2011 17:20:58 GMT

Re: HSBC CC

texasman07 — Wed, 02 Mar 2011 20:54:56 GMT

They have been reporting about the end of the month for me. But this February 2011 they didnt report. Last Date I have is Jan 2011. I am not sure if it was due to only 28 days in this month.

Re: HSBC CC

Anonymous — Thu, 30 Jun 2011 17:21:22 GMT

Re: HSBC CC

Anonymous — Thu, 30 Jun 2011 17:21:45 GMT

Re: HSBC CC

BobbyJ — Wed, 02 Mar 2011 21:48:06 GMT

How I got HSBC to update the correct balance is to go to the CRA (EX, EQ & TU) and dispute the account balance online. It has always worked when they have been really behind in reporting.

Re: HSBC CC

JayRizzo — Wed, 02 Mar 2011 23:15:55 GMT

BobbyJ, although eventually the account will be reported... many people from the forum are against disputing an active account because if HSBC is slow to report monthly activity, they will be slow to follow-up on a dispute which will get your account deleted temporarily until it's updated a month or 2 later -- that happens on the side of the CRA if no response in 30-45 days. So be careful, you can ding yourself.

Re: HSBC CC

FicoScore626 — Thu, 03 Mar 2011 07:55:03 GMT

They report near the beginning of the month for me.

Re: HSBC CC

Anonymous — Thu, 03 Mar 2011 12:12:17 GMT

I expect to see HSBC report by the end of this week. Last time they reported for me was 1/31 and I think that February's report date has moved into the month of March because Feb is a short month. It looks like this is somewhat true for many of the accounts that typically report at the end of the month. Check your reports on Monday.

Re: HSBC CC

android01 — Thu, 03 Mar 2011 13:46:24 GMT

The important thing to remember is that HSBC reports your balance from the last day of the month, not the balance on your last statement. US Bank is the same way. These are the only two I can think of that do this.

If your balance is zero when the statement cuts on the 15th, and you charge $100 between the 15th and the last day of the month. $100 will be reported to the CRAs.

Re: HSBC CC

Anonymous — Thu, 30 Jun 2011 17:22:11 GMT

Re: HSBC CC

craigatcraignet — Thu, 03 Mar 2011 18:48:40 GMT

Hey there campers;

HSBC Orchard Bank reported to Experian and Equifax today, 3 March 2011.

They did not report to TransUnion, yet.

Craig, an IT guy.

The technical difficulty originally scheduled for this time has been postponed
- due to technical difficulties.

Re: HSBC CC

BobbyJ — Thu, 03 Mar 2011 19:31:32 GMT

Thanks for the info Jay. I definitely be extra careful in the future. I appreciate the very good advice!!!!!!

Re: HSBC CC

swins24 — Thu, 03 Mar 2011 21:37:50 GMT

Orchard also reported for me today as well, But not yet on TU. It will probably be another day or so before it hits TU.

Re: HSBC CC

Anonymous — Thu, 03 Mar 2011 21:48:06 GMT

Hi guys - Do you mind me asking what Credit Monitoring Service you are using? I am currently testing out identity guard and creditkeeper, but I haven't been IM'd about Orchard so I think that they are behind whatever service you are using. I also have Scorewatch and haven't been "pinged" about Orchard yet. Would love to use whatever obviously superior CMS you are using.

Re: HSBC CC

craigatcraignet — Thu, 03 Mar 2011 22:11:31 GMT

Hi Everyone;

I use USAA's credit monitor. Also CreditKarma.

Re: HSBC CC

Anonymous — Thu, 03 Mar 2011 23:07:37 GMT

Ok, thanks. I think it must be USAA that is outperforming CKarma (I have CKarma as well as CreditKeeper and IGuard). Trying to find the most "on-top-of-it" CMS. If it's USAA, I'll absolutely kick myself because I've just signed up for NFCU and PSECU and USAA would just be overkill, right?

I need to relax.

Re: HSBC CC

Anonymous — Fri, 04 Mar 2011 16:31:11 GMT

USAA is nice because you can pull each of the 3 reports everyday, they probably hate me because I check everyday