topic Re: Amex, Hooters, and Kays All reporting in Credit Cards

Amex, Hooters, and Kays All reporting

gNaRKiLL — Sun, 23 Dec 2007 23:18:54 GMT

Just got a message today from my experian service and they are all reporting. My amex had a balance of 103/1000, Hooters @ 48/1250, and kays 0/5100. Those gave me a fako increase of 17 points so I wonder how good my fico increase was. Equifax isnt showing amex and kays yet though.

My hooters is 0 now, and my amex was going to be 0 but I didnt realize that amazon held a charge in autho for a week without applying it so now it has a balance of 75 and its too late to put a payment out before statement. The kays has a 2125 balance now but hey thats ok because I now have a wonderful fiance...gonna order ficos in the next week or so after they hit all reports.

Re: Amex, Hooters, and Kays All reporting

haulingthescoreup — Sun, 23 Dec 2007 23:42:09 GMT

gNaRKiLL wrote: The kays has a 2125 balance now but hey thats ok because I now have a wonderful fiance...

Now that's what I call a proper sense of proportion! Congratulations.

Re: Amex, Hooters, and Kays All reporting

Anonymous — Mon, 24 Dec 2007 00:11:21 GMT

Hopfully you got the 12 months at 0%.
Kays updated today for me on EX as well- EQ is taking it's sweet time accoss the baord -

Kay's is reporting just like AMEX- a month behind. They posted my last months balance- how irritating.

Re: Amex, Hooters, and Kays All reporting

Red1Blue — Mon, 24 Dec 2007 06:22:38 GMT

Does Kay report even if the balance is $0? I have not used the card yet. I am wondering if they would start reporting even though I have not used the card yet.

Re: Amex, Hooters, and Kays All reporting

Anonymous — Mon, 24 Dec 2007 07:02:43 GMT

They do report the account shortly after opening with a $0 balance. Also, it seems like they will not generate a statement unless there is a balance on the account.

As an example, my card was opened at the beginning of October and it reported very soon. On November 17 I used it for the first time and my statement didn't issue until end of November with a December 17 due date. Around Dec 17 they first reported my balance for that statement with no payment yet made even though I paid beginning of Dec.

Re: Amex, Hooters, and Kays All reporting

Red1Blue — Mon, 24 Dec 2007 07:11:32 GMT

They opened my account on 11/29 and they have not reported the account yet on the CRA's. May be in the next couple of weeks they might report.

Re: Amex, Hooters, and Kays All reporting

Anonymous — Mon, 24 Dec 2007 07:15:02 GMT

I opened my Acct Nov 4th and bought

$1,349.46

Down payment $270.00

Balance was $1,079.46

On Nov 24 a bal ance of $0 and CL of $5K was reported

I made a payment 12/2 of $100

My CR updated the other day with a balance of 1,079

concorduser wrote:

Does Kay report even if the balance is $0? I have not used the card yet. I am wondering if they would start reporting even though I have not used the card yet.

Re: Amex, Hooters, and Kays All reporting

Red1Blue — Mon, 24 Dec 2007 07:28:49 GMT

Thanks Timothy. I'll wait couple of weeks and see if they report. If not I'll go buy some thing and wait for them to report. I can use the new CL's reported soon to boost my scores.

Re: Amex, Hooters, and Kays All reporting

tbenz6876 — Mon, 24 Dec 2007 08:38:14 GMT

My Kay's and Jared's accounts just showed up on my credit report and my fako jumped from 662 to 675. I am not going to use the accounts, but it is good that they show up so soon.

Just wished AMEX, BoA,a nd Barclay bank would report as fast. Nothing like paying off 9k in credit card debt and it still not showing up.

Re: Amex, Hooters, and Kays All reporting

Red1Blue — Mon, 24 Dec 2007 10:29:41 GMT

Congrats. It must feel good those accounts showing on the CR and also paying off the CC Debt.

Re: Amex, Hooters, and Kays All reporting

Red1Blue — Mon, 24 Dec 2007 11:04:26 GMT

Just now I pulled TC 3 in 1. Kay and Jared are reporting on TU and EX. It has not posted yet on the EQ. My Avail CL raised from 14k to 24K. Which is a nice increase. In the next 4 weeks, my total CL should increase by another 7K. ( 5K from my Oasis and 2K from the Secured Cards to which I increased the CL ). I am not sure how much score gain I would see with this. I'll wait another 2-3 weeks and then I'll pull all 3 Fico's. I promised my self today, I'll send DV's to 3 Paid Collections. I want to see if I can get them out of my reports.

Re: Amex, Hooters, and Kays All reporting

gNaRKiLL — Mon, 24 Dec 2007 19:04:57 GMT

One thing I must say is that it really annoys me that both amex and hooters dont show the immediate charges they just show your cl decreased. My hsbc card showed immediately what I charged and where it came from. I also wish eq wasnt the slowest kid on the block. They are always last to update and its the one I really want to see since they give me fico scores.