topic Re: Inconsistent reporting in General Credit Topics

Inconsistent reporting

seraphimh — Sun, 31 May 2015 12:58:31 GMT

ive had a Cap one CC account for 3 months now. It's reported once as a new account when I opened it. I also opened a NFCU account, secured loan, and Cash rewards CC with them 2 weeks ago. Both the loan and CC have failed to report. Barclays is the only card reporting on time and they managed to report My current balance (26% uti) which was 4 days after my 5% uti statement balance. I've gained over 100 points disputing errors and rebuilding responsibly, all in 4 months. Now I'm stalled out due to incompetence. I've called them all and they say it can take 30-45 days to report. Shall I just wait and see or is there something I can do to remedy this?

Re: Inconsistent reporting

Anonymous — Sun, 31 May 2015 13:16:54 GMT

2 weeks would be very early to report. Give it a couple of weeks, everything will shake out. Cap1 was very slow to report when I started. It was the first of 4 cards I got approved for and the last to report. My guess is NFCU wont report til your first statement on card and payment on loan.

And remember, its a marathon, the start can seem like a sprint, but in a few months everything will be showing up nice and shiny.

Re: Inconsistent reporting

seraphimh — Sun, 31 May 2015 18:15:40 GMT

I hope you're right. My wife has the same cards and loan, and they've all reported normally. We need to buy a car in July and are looking to buy a house in Feb/March 2016. I'd love my reports to be up to date by then.

Re: Inconsistent reporting

Anonymous — Sun, 31 May 2015 18:53:36 GMT

you will certainly be fine by then.

Re: Inconsistent reporting

takeshi74 — Mon, 01 Jun 2015 12:28:32 GMT

@Anonymous wrote:
2 weeks would be very early to report.

This. Don't set your expectations based on Barclays. They tend to report very quickly.