topic Re: Amex balance not updating on Equifax in General Credit Topics

Amex balance not updating on Equifax

radfam — Wed, 13 Feb 2019 15:47:04 GMT

I have searched the forums and only found one post similar to what I'm asking. My Amex Delta Gold updates to fico on the 1st of every month, like clockwork. In february, only TU and EX updated the balance paid down. I'm still seeing EQ with the previous balance. My 3b+ refreshed today and confirmed, it is still showing the incorrect balance on EQ only. I know EQ can only report what Amex tells them to, so Amex needs to send an update to EQ for it to reflect.

I'm planning to wait two more weeks for my next Amex update (will be $0 bal). If my EQ still does not refresh on 3/1 with TU and EX, do I call Amex and ask them to update EQ? I'm heavily focused on paying down utilizations (individual and overall) right now. 75% utl to 0% utl is gigantic (in my opinion), so I would like to see it reflect accordingly. I also want to make sure I tread lightly with Amex too.

TL/DR:

Jan bal Amex - 745/1000 - all 3b (74.5% utl)

Feb bal Amex - 346/1000 TU/EX (34.6% utl), 745/1000 EQ (74.5% utl)

Upcoming Mar bal - 0/1000 (0% utl)

Do I ask Amex to update EQ or do I just have to wait it out and hope they finally get around to it?

Re: Amex balance not updating on Equifax

Anonymous — Wed, 13 Feb 2019 16:05:52 GMT

@radfam wrote:
I know EQ can only report what Amex tells them to, so Amex needs to send an update to EQ for it to reflect.

This isn't necessarily the issue. Amex may very well be reporting the account, but for whatever reason EQ isn't taking the update. I had this issue with a Citi card and TU not updating. It ended up being a name variation (suffix) that wasn't allowing TU to take the reporting. Basically it wasn't Citi's "fault" and it may not be Amex's either here. The fact that your other 2B are updating leads me to believe that the issue isn't with Amex, as Amex isn't going to send updates to 2/3 of the bureaus... my guess is that they are sending it to all 3B and that EQ isn't accepting it for whatever reason.

Re: Amex balance not updating on Equifax

WowCool — Wed, 13 Feb 2019 16:34:11 GMT

This same thing has been happening to me on Eq, no update from Amex since December.

However I currently have a balance on AMEX and the December update is showing my previous $0 balance, so no rush for me to have it updated

Re: Amex balance not updating on Equifax

radfam — Wed, 13 Feb 2019 16:46:25 GMT

Haha, glad to see i'm not the only one that isn't getting EQ updates for Amex. Even though our situations are switched.

Re: Amex balance not updating on Equifax

Anonymous — Wed, 13 Feb 2019 16:50:49 GMT

Had the same issue this month. Called AmEx Credit Dept, and request a manual push to all CBs. The next day Equifax updated.

Re: Amex balance not updating on Equifax

Anonymous — Wed, 13 Feb 2019 17:16:12 GMT

None of my Amex accounts have updated on Equifax, and the same is true for my husband and son's accounts. I wonder what the issue is.

Re: Amex balance not updating on Equifax

Anonymous — Wed, 13 Feb 2019 19:17:58 GMT

@radfam wrote:
I have searched the forums and only found one post similar to what I'm asking. My Amex Delta Gold updates to fico on the 1st of every month, like clockwork. In february, only TU and EX updated the balance paid down. I'm still seeing EQ with the previous balance. My 3b+ refreshed today and confirmed, it is still showing the incorrect balance on EQ only. I know EQ can only report what Amex tells them to, so Amex needs to send an update to EQ for it to reflect.

I'm planning to wait two more weeks for my next Amex update (will be $0 bal). If my EQ still does not refresh on 3/1 with TU and EX, do I call Amex and ask them to update EQ? I'm heavily focused on paying down utilizations (individual and overall) right now. 75% utl to 0% utl is gigantic (in my opinion), so I would like to see it reflect accordingly. I also want to make sure I tread lightly with Amex too.

TL/DR:
Jan bal Amex - 745/1000 - all 3b (74.5% utl)
Feb bal Amex - 346/1000 TU/EX (34.6% utl), 745/1000 EQ (74.5% utl)
Upcoming Mar bal - 0/1000 (0% utl)
Do I ask Amex to update EQ or do I just have to wait it out and hope they finally get around to it?

I'm seeing the same problem. I have AMEX BCP and ED. Both update on TU and EX, but not EQ.

I'm also waiting another month to see if somehow the issue is resolved. Although EQ can only report what AMEX gives them,

I wouldn't assume that it's AMEX's fault. About 2 years ago, EQ just dropped a bunch of my accounts, with a drop to my score.

In particular, all records of my (2) mortgages and car payments (2) were gone, gone, gone, along with several credit card accounts. I called my mortgage company several times and they assured me they were reporting to EQ. I tried NUMEROUS times to work with EQ to correct the problem. Their position is, it isn't their problem, it's the lenders who are at fault. I'm seriously not sure about that because 15 accounts disappeared in one day on my record and EQ's position on all is that the lenders must have just taken them off. Do you believe in that kind of coincidence?

Re: Amex balance not updating on Equifax

radfam — Wed, 13 Feb 2019 19:30:14 GMT

I just checked DHs reports just now. I am seeing the exact same on his AU amex accounts on EQ only. So there is no telling if its is Amex or EQ. Glad to know its not just me!

Re: Amex balance not updating on Equifax

CivalV — Wed, 13 Feb 2019 21:04:37 GMT

For all of my accounts EQ rarely updates whereas TU and EX update every couple of days.

Re: Amex balance not updating on Equifax

HeavenOhio — Thu, 14 Feb 2019 03:32:15 GMT

I've had this happen to me a couple of times in the past couple of months, but I haven't monitored it that closely. EQ is lagging for me right now. I just did a fresh pull with Credit Karma to confirm.

Re: Amex balance not updating on Equifax

Anonymous — Thu, 14 Feb 2019 13:28:10 GMT

At this point, you've got 6 or 7 people in this thread that are stating that they're not seeing their Amex account update on EQ. The question then for these people is whether Amex is the only account with this EQ issue, or are you seeing your other (non-Amex) accounts update on TU/EX but not EQ? If it's only your Amex accounts, that's pretty conclusive evidence here that it's something Amex related, where they aren't properly communicating with EQ for whatever reason. One person above stated that they requested an off-cycle reporting by Amex and in involving a human being saw their Amex account update on EQ quickly after.

Re: Amex balance not updating on Equifax

radfam — Thu, 14 Feb 2019 13:57:44 GMT

It is only my Amex accounts (both delta gold and my charge card). My other accounts on EQ are correct. The same incorrect balances show on my husbands EQ, he is an AU on both accounts.

At this point, with the rest of the responses similar to mine, I am inclined to think it is AmEx. I’m waiting until after the next reporting cycle for them. If it doesn’t refresh then, I will call and ask them to manually push the update.

Re: Amex balance not updating on Equifax

Anonymous — Thu, 14 Feb 2019 16:52:05 GMT

Sounds like a problem with their automated system not correctly sending updates to EQ monthly, as when a human being gets involved it goes through without issue.

Re: Amex balance not updating on Equifax

dynamicvb — Fri, 15 Feb 2019 00:10:33 GMT

Interesting I thought they where just being slow. My Amex hasn’t updated on EQ either. To answer BBS’s question, for me it’s just Amex not updating My Discover did report its new balance a couple of days ago.

Re: Amex balance not updating on Equifax

Anonymous — Fri, 15 Feb 2019 15:25:29 GMT

I am having this exact same issue with my Cap1 cards. EX and TU are updating normally, EQ has not updated in 2019 yet. Not sure if it could be the same issue leading me to believe this is something on EQ side? I called Cap1 and they confirmed it is being sent to all 3.

Re: Amex balance not updating on Equifax

dragontears — Fri, 15 Feb 2019 17:59:14 GMT

I also noticed last week that Amex had not updated on EQ since December but it updated today for me (my next statement closes next week). Hopefully it will update for everyone else soon

Re: Amex balance not updating on Equifax

radfam — Fri, 15 Feb 2019 20:21:52 GMT

I did not end up calling Amex or EQ. About five minutes ago, I got an alert on MF. It was the balance update on my two Amex TLs!

Re: Amex balance not updating on Equifax

WowCool — Sat, 16 Feb 2019 03:01:12 GMT

Yep my Equifax just updated today with my AMEX balance finally,

Re: Amex balance not updating on Equifax

HeavenOhio — Sun, 17 Feb 2019 20:56:17 GMT

The myFICO alert just flew in saying that EQ has been updated for the month. That's seven days later than EX and TU.

Re: Amex balance not updating on Equifax

dynamicvb — Tue, 19 Feb 2019 19:07:23 GMT

@HeavenOhio wrote:
The myFICO alert just flew in saying that EQ has been updated for the month. That's seven days later than EX and TU.

Mine updated Sunday too which was also 7 days later than normal. I guess there was just a bug somewhere that they got fixed.