topic Re: Does Discover Report? in Credit Cards

Does Discover Report?

ObeyJohnny12 — Fri, 15 Jun 2012 19:16:36 GMT

Hello everyone.

I just wanted to know how long does Discover take to report to the credit agencies. I got the card on April and I already received two statements but still nothing on my report.

Should I wait a little longer or should I call and see what's happening?

Thanks in advance.

Re: Does Discover Report?

suebee123 — Fri, 15 Jun 2012 19:36:19 GMT

They seem to take a little longer, I don't know why. I have a discover account and my statment cut on the 4th of this month and still hasn't updated...

Re: Does Discover Report?

SwiftTone — Fri, 15 Jun 2012 19:54:30 GMT

I've always read that it often takes them more than 2 statements to report.

I got my Discover mid April, and it started reporting a couple days after the 1st statement to all CRBs. I was pleasently surprised.

I've read you can call them and specifically ask them to do an "off cycle update" to your CR. You have to use that term.

Let us know how it works out!

Re: Does Discover Report?

Anonymous — Fri, 15 Jun 2012 20:24:56 GMT

Discover took FOREVER to report for me. It literally just reported a few days ago, when I got my notification from Citi Identity Monitor.

I got the card in February.

Re: Does Discover Report?

Anonymous — Fri, 15 Jun 2012 20:57:24 GMT

Ditto, Took between 2 and 3 statements for me

Re: Does Discover Report?

jcx808 — Sat, 16 Jun 2012 07:55:12 GMT

@suebee123 wrote:
They seem to take a little longer, I don't know why. I have a discover account and my statment cut on the 4th of this month and still hasn't updated...

Same here, my statement cut off on the 4th and still hasn't updated on my credit report. However, I did get a CL last month... maybe thats why, I'm not sure.

Re: Does Discover Report?

Anonymous — Sat, 16 Jun 2012 14:23:00 GMT

You need to exploit this window of opportunity to get another card. On a serious note, it took me two full statements (when I first got it, the statement cut a week after i received the card) tor mine to report.

Re: Does Discover Report?

suebee123 — Sat, 16 Jun 2012 15:20:44 GMT

I also got a CLI last month also...weird, but glad I'm not the only one.

Re: Does Discover Report?

PokemonMaster — Sat, 16 Jun 2012 15:38:09 GMT

I was approved for mine in Jan and received my card in Feb. It started reporting a few days after my 3rd statement cut. I even called and the lady put through an off-cycle report because she said it should have reported by then but it hadn't. Discover likes to take its time initially reporting the account but they're worth the wait. By far my favorite card that I carry. I love the Customer Service too!

Re: Does Discover Report?

Anonymous — Sat, 16 Jun 2012 16:20:01 GMT

Mine reported pretty fast within 90 days

But I think you need a balance on it

First couple of statements no report cause I used and paid off in few days

Once I let something hang after 30 days they reported

Now they report like clockwork

Discover was my first decent line on a ghost file rebuild

So they do take on unusual clients or little in bureaus

If the info helps you use it

Re: Does Discover Report?

SwiftTone — Sun, 17 Jun 2012 00:09:44 GMT

@Anonymous wrote:
Mine reported pretty fast within 90 days
But I think you need a balance on it
First couple of statements no report cause I used and paid off in few days
Once I let something hang after 30 days they reported
Now they report like clockwork
Discover was my first decent line on a ghost file rebuild
So they do take on unusual clients or little in bureaus
If the info helps you use it

I reported a $0 ballance my first statement, and it reported 2-3 days later after the statement cut.

Re: Does Discover Report?

Anonymous — Mon, 18 Jun 2012 17:08:46 GMT

I received my card in April and it still hasn't reported. My husband received his in May and nothing. Finally I used the online chat to ask the rep about reporting. She said that she would request the information to be reported. I explained to her that we needed the accounts listed for my husbands credit file, but we couldn't use the cards until we closed on our home. She said it would be reported within 7 days. She also said they report to TU. I'd read somewhere and asked the rep when we got the cards if they reported to all three bureaus. That was our reasoning for applying. I am in NYS and have the Discover More Card. Anyone know if it will be on all three credit files and if the credit limit is reported?

Re: Does Discover Report?

Anonymous — Mon, 18 Jun 2012 19:20:44 GMT

@Anonymous wrote:
I received my card in April and it still hasn't reported. My husband received his in May and nothing. Finally I used the online chat to ask the rep about reporting. She said that she would request the information to be reported. I explained to her that we needed the accounts listed for my husbands credit file, but we couldn't use the cards until we closed on our home. She said it would be reported within 7 days. She also said they report to TU. I'd read somewhere and asked the rep when we got the cards if they reported to all three bureaus. That was our reasoning for applying. I am in NYS and have the Discover More Card. Anyone know if it will be on all three credit files and if the credit limit is reported?

Yes reports to all 3 and limits

Re: Does Discover Report?

jcx808 — Wed, 20 Jun 2012 00:41:22 GMT

I was informed by the customer rep today that they send in updates the Friday after the statement cut off. I also asked for a off-cycle update, the rep informed me that it would be sent after this Friday. Hopefully it updates my new CL by next week.

Re: Does Discover Report?

suebee123 — Wed, 20 Jun 2012 01:06:40 GMT

I hope so too! I also got a CL increase this month, my statement cut on Jun 4th, and still no update!

Re: Does Discover Report?

ObeyJohnny12 — Thu, 28 Jun 2012 01:10:59 GMT

Sorry about the late response. Thanks for all your answers. I called and the rep told me that they are in fact reporting to all the agencies every month but for some reason it is not showing on my report. I been on time with my payments and I pay my balances in full so now I'm just wondering why it is not showing in my report. The agent told me the problem is happening within the bureaus but now I don't know what to do. Any ideas. Thanks.

Re: Does Discover Report?

SwiftTone — Thu, 28 Jun 2012 01:44:24 GMT

I previously said in an earlier post that my started reporting a couple days after my first statement cut and I had a $0 balance. Well, I looked back and it actually reported a $305 balance because my statement cut date was Monday and the pending charged posted to the account on Sunday.

So why don't you let it report a balance and see what will happen