topic Re: Discover Card doesn't report to Equifax? in Credit Cards

Discover Card doesn't report to Equifax?

ubermensch — Fri, 23 May 2008 20:30:54 GMT

I have had issues with my Score Watch not updating, and the final straw was when I recently paid off a $8,000 balance on my Discover Card and didn't get any notification. I called myFICO today and they gave me a free Equifax pull. I was surprised to find that my FICO score had not changed by much. Examining the report, I realized the for this is that my Discover Card history has not updated since January 2003!

This is the only real credit card I have right now. It has a limit of $13,000, and I have at least a 3 years history of on time payments. I think this data would obviously help my credit score. I called Discover and asked if they report to Equifax, and was told that when I apply for a loan, Equifax would update the information. Well, I applied for Chase card about 6 months ago, they pulled Equifax, and the Discover card info was not updated.

Has anyone else noted that Discover Card only reports to Experian and TransUnion? Can I somehow get Equifax to update this information?

Re: Discover Card doesn't report to Equifax?

Anonymous — Fri, 23 May 2008 20:32:04 GMT

Mine reports to all 3 every month-

Re: Discover Card doesn't report to Equifax?

Anonymous — Fri, 23 May 2008 21:35:10 GMT

My Discover reports to all three every month. I'd try contacting Discover again - maybe you can get a hold of somebody who can give better info. Their customer service reps are typically excellent!

Re: Discover Card doesn't report to Equifax?

davidboca — Fri, 23 May 2008 21:36:34 GMT

My Discover More issued by Discover Bank reports every month to TU, EX, & EQ about 4 days after the closing date. Give Discover a call right away! I would say this is most unusual.

Re: Discover Card doesn't report to Equifax?

wmarat — Fri, 23 May 2008 22:34:46 GMT

When EXP has not updated one of my accounts for 4 mos. I just disputed it online through TC and within 72 hrs. account was updated.

Another question. I've got 2 preapprovals for Discover More which is very tempting, I suppose Discover pulls EXP and what if I freeze EXP would they pull TU; what initial CL is to expect.

Re: Discover Card doesn't report to Equifax?

ubermensch — Sat, 24 May 2008 00:13:52 GMT

TrueCredit lets your file disputes with Experian online?

Re: Discover Card doesn't report to Equifax?

davidboca — Sat, 24 May 2008 00:38:50 GMT

Yes, but try this link to initiate an Equifax dispute, if you don't already have a Equifax report number:

http://www.equifax.com/online-credit-dispute/

Hope this helps!

Re: Discover Card doesn't report to Equifax?

wmarat — Sat, 24 May 2008 00:59:13 GMT

Yes, TC alows you to dispute online wit EXP and TU. You can dispute some issues online with EQ but through their site.

Re: Discover Card doesn't report to Equifax?

ubermensch — Thu, 03 Jul 2008 00:27:19 GMT

Update on this strange situation...

I called Discover and they told me that they report to Equifax each month. I called Equifax, and they agreed they were getting monthly reports, but said that Discover was reporting the date of last activity each month as January 2003. So on June 5th I filled a dispute that the date of last activity should be May 2008.

Just now I called the super secret Equifax backdoor number to determine the status. The service representative said that Discover has still not responded, but that she would update the date of last activity to May 2008 right now. Hopefully I should see a Score Watch alert with a bump from this in the next few days. Although will it make a difference if Equifax is still not reporting my credit limit? (Which I see Discover just bumped up by 1.5k!)

Re: Discover Card doesn't report to Equifax?

Anonymous — Thu, 03 Jul 2008 01:15:28 GMT

Hmm, my new Discover account has yet to show up on Experian. It showed up on the other two on June 1st.

Re: Discover Card doesn't report to Equifax?

Anonymous — Thu, 03 Jul 2008 10:27:43 GMT

ubermensch wrote:
Update on this strange situation...

I called Discover and they told me that they report to Equifax each month. I called Equifax, and they agreed they were getting monthly reports, but said that Discover was reporting the date of last activity each month as January 2003. So on June 5th I filled a dispute that the date of last activity should be May 2008.

Just now I called the super secret Equifax backdoor number to determine the status. The service representative said that Discover has still not responded, but that she would update the date of last activity to May 2008 right now. Hopefully I should see a Score Watch alert with a bump from this in the next few days. Although will it make a difference if Equifax is still not reporting my credit limit? (Which I see Discover just bumped up by 1.5k!)

I'm still having trouble getting mine to report to EQ. It doesn't show at all as far as I can see. Is your's even on your report?

And can you PM me the number to EQ please? Maybe I can call them to see if it is messed up on their end. I have called Discover so many times about this and so far, it is not reporting.

Re: Discover Card doesn't report to Equifax?

Anonymous — Thu, 03 Jul 2008 16:24:51 GMT

they might just be slow to report to equifax? my discover card showed up on transunion and experian before i even got my card, but it still has not shown up on equifax. of course i haven't even had my card a week yet.

maybe equifax and discover are having issues with each other?

Re: Discover Card doesn't report to Equifax?

Anonymous — Thu, 03 Jul 2008 17:02:17 GMT

well it looks like i spoke too soon! i just got a score watch alert that my new discover acct has posted.

Re: Discover Card doesn't report to Equifax?

ubermensch — Thu, 03 Jul 2008 20:04:49 GMT

stef: The account is reporting, and is updated each month by Discover. I have had my Discover card since 9/2000, but they have not updated the date of last activity since 1/2003. It also does not report a credit limit or balance, and is reporting as terminated. Coincidentally, when I got home yesterday I had an letter from Equifax saying that their "investigation was complete" and basically there was no change. How they completed their investigation when they had not heard from Discover, I don't know. I called back today to determine what was going on, and he said that the DOLA was updated to 5/2008, but it is still reporting as "terminated" and not reporting the credit limit/balance. I had to file a new dispute on those issues. And now wait another 30 days to see what happens...