topic Re: First CC reported in General Credit Topics

First CC reported

Anonymous — Mon, 22 Feb 2016 18:46:21 GMT

After years of not having a CC, I finally got one last month and it reported a few days ago, but it only reported to my Experian, it does not show on my TU or EQ. My score jumped up by 48 points, from 575 to 623. I’m just wondering why it does not show on my TU or EQ yet. Also I did not get an alert from myfico, the way I found out was by paying $1 to Experian to see my CR and Fico, this is when I noticed the jump.

Re: First CC reported

takeshi74 — Tue, 23 Feb 2016 13:33:05 GMT

There are at least a couple of possibilities.

Not all creditors report to all 3 of the major CRA's.

CRA's don't all update at exactly the same time. The others could be lagging a bit.

@Anonymous wrote:
Also I did not get an alert from myfico, the way I found out was by paying $1 to Experian to see my CR and Fico, this is when I noticed the jump.

That is odd as a new account is a trigger with myFICO for all 3 CRA's.

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bureau-credit-monitoring-and-fico%C2%AE-identity

Re: First CC reported

Broke_Triathlete — Wed, 24 Feb 2016 18:00:29 GMT

@takeshi74 wrote:
There are at least a couple of possibilities.

Not all creditors report to all 3 of the major CRA's.

CRA's don't all update at exactly the same time. The others could be lagging a bit.

@Anonymous wrote:
Also I did not get an alert from myfico, the way I found out was by paying $1 to Experian to see my CR and Fico, this is when I noticed the jump.
That is odd as a new account is a trigger with myFICO for all 3 CRA's.
http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bureau-credit-monitoring-and-fico%C2%AE-identity

This. What CC is it?