topic Re: AMEX not reporting? in General Credit Topics

AMEX not reporting?

Anonymous — Fri, 22 Jun 2007 11:49:57 GMT

I finally signed up for the True Credit program, and noticed AMEX is NOT reporting that I make payments - can anyone tell me why this would be the case?

Thanks!

Re: AMEX not reporting?

sl — Fri, 22 Jun 2007 12:05:33 GMT

When was your last payment posted? AMEX is in a world of their own and you cannot force them. They seem to take their own time. I read on their website they are going through a restructuring of sorts and hopefully once it is done, things will be better. Give it a week and then call them.

Re: AMEX not reporting?

Tuscani — Fri, 22 Jun 2007 12:16:00 GMT

Are they reporting at all? Or are they just not reporting your recent history?

Re: AMEX not reporting?

Anonymous — Mon, 25 Jun 2007 18:17:43 GMT

Tuscani - they are NOT reporting any payments at all

Help?!!

Thanks!

Re: AMEX not reporting?

Anonymous — Mon, 25 Jun 2007 18:22:12 GMT

When did you open your account? if it was in the last month, give it a month or two--if still not, call them at this number:
1-800-874-2717

This is their credit beauro division--ask them when and what they report, and why they your card isn't showing up on your report

Re: AMEX not reporting?

Anonymous — Mon, 25 Jun 2007 18:43:17 GMT

Tuscani what is the cheapest way to monitor all 3 CR since true credit only provides the TU report for 9 dollars a month?

Re: AMEX not reporting?

Bruiser — Mon, 25 Jun 2007 18:45:03 GMT

truecredit provides all 3 for like 14.95 a month

Re: AMEX not reporting?

Tuscani — Mon, 25 Jun 2007 22:23:20 GMT

Yep.. TC is all three for $15 a month.

Re: AMEX not reporting?

fused — Mon, 25 Jun 2007 22:27:50 GMT

Creditsecure at Amex charges me only 11.95 a month. Not sure if this price applies to non-cardholders. I can pull all three reports along with their useless FAKO scroes daily. It's easier to read than TC. The layout at TC is dreadful and outdated.

Re: AMEX not reporting?

Anonymous — Mon, 25 Jun 2007 23:19:07 GMT

TrueCredit thru the Walmart link is only $11.21 a month.

https://www.truecredit.com/products/optimizedOrder.jsp?versionID=0&package=TriBureauCMU&formName=freeTriBureauCMUChoice&cb=WalMart

Re: AMEX not reporting?

Anonymous — Mon, 25 Jun 2007 23:19:51 GMT

beach123 wrote:
I finally signed up for the True Credit program, and noticed AMEX is NOT reporting that I make payments - can anyone tell me why this would be the case?

Are they reporting the account at all to any of the 3 CRAs?

Re: AMEX not reporting?

Anonymous — Tue, 26 Jun 2007 12:16:54 GMT

According to TC they show the account on all (3) CRAs, just NO payment...???? I've been paying over the minimum since I've had the account.

Re: AMEX not reporting?

Anonymous — Wed, 27 Jun 2007 05:23:12 GMT

beach123 wrote:
According to TC they show the account on all (3) CRAs, just NO payment...???? I've been paying over the minimum since I've had the account.

Are they accurately reporting the CL, balance, and high balance from your last statement?

Re: AMEX not reporting?

Anonymous — Fri, 29 Jun 2007 04:24:34 GMT

They are reporting those accurately - the only one I see showing 0 payment is stupid EQ, which is my worst nightmare and it seems every place pulls EQ if you live in MN - this blows! Should I be worrying about this? I found a number I can call but they want the report #, I don't have one, just the date I pulled the 3-1 from TC.

Thanks Noah for your help!

Re: AMEX not reporting?

Anonymous — Fri, 29 Jun 2007 07:14:52 GMT

So long as it's a good TL, you're good.

If there's something adverse on your CRs that you can dispute, you can dispute it online here and without an EQ confirmation number.

https://www.ai.equifax.com/CreditInvestigation/jsp/email.jsp

If they have a balance incorrectly reported, then you could use Current/Previous Payment Status Incorrect.

As I say, you won't need an EQ confirmation number, and after they investigate they will mail you a copy of your CR with an EQ confirmation number on it.

Re: AMEX not reporting?

Anonymous — Fri, 29 Jun 2007 15:47:44 GMT

Thanks Noah!

Re: AMEX not reporting?

Anonymous — Sun, 01 Jul 2007 02:57:32 GMT

I don't think it matters what the "Payment" line states on your report. Mine are all over the map - some are blank, some show $0, and others show the minimum payment due. In MOST cases, the "Payment" line shows the monthly payment due (for installments) or the minimum payment due (for CCs). It does not normally show your last actual payment amount.

If your balance is correct (as of the reporting date), and your CL is correct, and the Past Due amount shows $0, I wouldn't worry about that TL. I don't even look at the Payment or High Balance lines on my reports - they do not affect my score, and I think most lenders don't expect CRs to accurately detail a consumer's monthly debt payments.