topic Experian, credit cards not reported in General Credit Topics

Experian, credit cards not reported

newhis — Tue, 19 Aug 2014 15:55:05 GMT

My DW just got her EX report and it only shows her latests card (from 1 month ago), her cards from February (BoA, Discover), and AU from March (My Discover), don't show in her report.

My EX report show both my cards (BoA, Discover) from March.

She already chat with BoA and Discover. BoA give her a report number and Discover asked her to call/mail for a dispute and they will send a mid cycle report.

Is that enough or she needs to send a dispute to EX directly?

Thank you

Re: Experian, credit cards not reported

jsucool76 — Tue, 19 Aug 2014 17:08:56 GMT

I would deal with the lenders directly and give them some time to get it reporting now that they are aware of the issue. I don't think it should be an issue. Just make sure that when they begin reporting, they show the correct account open date and account history.

Re: Experian, credit cards not reported

newhis — Tue, 19 Aug 2014 17:47:15 GMT

Thank you.

BoA said that in 7-10 business days she will receive an update on her dispute.

Re: Experian, credit cards not reported

CreditPlay — Wed, 20 Aug 2014 04:25:25 GMT

@newhis wrote:
My DW just got her EX report and it only shows her latests card (from 1 month ago), her cards from February (BoA, Discover), and AU from March (My Discover), don't show in her report.

My EX report show both my cards (BoA, Discover) from March.

She already chat with BoA and Discover. BoA give her a report number and Discover asked her to call/mail for a dispute and they will send a mid cycle report.

Is that enough or she needs to send a dispute to EX directly?

Thank you

You are on the right track. BOA is pretty good at resolving reporting issues as per my experience. You can use the EX report number from the paper report and keep checking updated report online, you should be good in couple of days.

Re: Experian, credit cards not reported

newhis — Mon, 08 Sep 2014 17:25:36 GMT

Now EX shows all history for my DW BoA card, that's great.

Re: Experian, credit cards not reported

jsucool76 — Sat, 30 Aug 2014 20:08:39 GMT

Happy this all worked out for ya! Best of luck in your further credit journey

Re: Experian, credit cards not reported

newhis — Mon, 08 Sep 2014 17:28:13 GMT

@newhis wrote:
Now EX shows all history for my DW BoA card, that's great.

My wife didn't look closely to the report. I added her to my BoA card, so is my card the one it shows in her report, as AU.

She just received a letter from BoA saying that it will take a little longer to resolve the issue.

Re: Experian, credit cards not reported

CreditPlay — Tue, 09 Sep 2014 00:20:08 GMT

wth! Did they say how long? If not I would talk to a credit analyst and find out.

Re: Experian, credit cards not reported

takeshi74 — Tue, 09 Sep 2014 12:31:20 GMT

@newhis wrote:
Is that enough or she needs to send a dispute to EX directly?

You can't dispute something that isn't on the report. The issue is that the account isn't reporting. Creditors report to the CRA's. The CRA's don't pull account data from the creditors.

Re: Experian, credit cards not reported

newhis — Tue, 09 Sep 2014 17:35:31 GMT

@CreditPlay wrote:
wth! Did they say how long? If not I would talk to a credit analyst and find out.

I think 30 days, they sent the letter after 7 business days

Re: Experian, credit cards not reported

Anonymous — Thu, 11 Sep 2014 02:17:36 GMT

I have three comenity store cards and two of them I use each month. I opened all three of them in March with the shopping cart trick and still none of them are showing on any of my credit reports lol. Annoying

Re: Experian, credit cards not reported

newhis — Mon, 15 Sep 2014 17:12:13 GMT

They just sent a letter saying that she needs to contact the credit bureau.

I think this is going to be a long process.

CK (using TU) shows 6 cards. EX only shows 2 cards (1 she got in July, and I added her in August to 1 of mine), everything before July is not reporting.