topic Re: Amex experian reporting in General Credit Topics

Amex experian reporting

bloccoblu — Wed, 17 Jun 2020 11:18:35 GMT

Hi has anyone else experienced delays in Amex reporting statement balance this month? My report is usually updated between ninth and 10th on experian with Amex balance but as of today it still hasn’t updated. Thanks

Re: Amex experian reporting

Anonymous — Wed, 17 Jun 2020 11:33:32 GMT

@bloccoblu wrote:
Hi has anyone else experienced delays in Amex reporting statement balance this month? My report is usually updated between ninth and 10th on experian with Amex balance but as of today it still hasn’t updated. Thanks

I called Amex about this, because I'm waiting to app for a mortgage until this blasted account cycles on my report. The CSR acted like this has ALWAYS been the case, of course, but the she said they report to the.bureaus 11 days after statement close.

Really? 11 days? Used to be statement cut...like clockwork.

"that's our policy, sir"

oook.

so... patience, I guess?

Re: Amex experian reporting

bloccoblu — Wed, 17 Jun 2020 11:45:06 GMT

Oh wow! 11 days.that has to be new because they’ve always reported like clockwork within a day of statement closing for me. Thanks for responding. Now I know it’s not just me.

Re: Amex experian reporting

Anonymous — Wed, 17 Jun 2020 12:40:36 GMT

I am glad someone posted about this because I was wondering why they were late this month. This "11" days is certainly new. I too am waiting for AMEX to update.

Re: Amex experian reporting

Anonymous — Wed, 17 Jun 2020 13:39:34 GMT

Called again today. Different rep different answer. "Nothing's changes we report immediately"

She sent me to the Amex credit bureau team. Rep there confirmed nothing changed.

They did say there was a glitch in reporting that delayed a bunch of accounts but, of course, "your account wasn't included in that, mr Dogbert"

of course not.

she did volunteer to send a mid cycle update (yay) so that supposedly has been pushed through. Maybe by tomorrow I'll see Ex update.

Re: Amex experian reporting

JNA1 — Thu, 18 Jun 2020 01:56:35 GMT

Mine, nor DW’s have reported this month either.

Re: Amex experian reporting

elixerin — Thu, 18 Jun 2020 03:04:45 GMT

@Anonymous wrote:
@bloccoblu wrote:
Hi has anyone else experienced delays in Amex reporting statement balance this month? My report is usually updated between ninth and 10th on experian with Amex balance but as of today it still hasn’t updated. Thanks
I called Amex about this, because I'm waiting to app for a mortgage until this blasted account cycles on my report. The CSR acted like this has ALWAYS been the case, of course, but the she said they report to the.bureaus 11 days after statement close.

Really? 11 days? Used to be statement cut...like clockwork.

"that's our policy, sir"

oook.

so... patience, I guess?

all of mine closed June 5, still no June balance report as of 6/17.

Re: Amex experian reporting

Duke_Nukem — Thu, 18 Jun 2020 14:52:16 GMT

We've seen a delay as well for anything that normally reports in June, but Amex did update the reports yesterday or today as shown in the EX reports pulled this morning. Curiously, the date shown on the EX reports shows their typical report dates of first week of June, not yesterday/today.

Nothing updated on TU yet as of this morning, but TU and EQ usually lag behind anyway.

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 15:53:08 GMT

I am glad you asked as I was wondering the same thing.

They have always reported the day after a statement closed, now they havented updated as of yet , 5 days post close.

Additionally, They are no longer showing my EX8 on there website.

Thet are showing me TU Vantage 3.

I dont no why they keep changing things.

Its really annoying.

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 16:10:35 GMT

@Anonymous wrote:
@bloccoblu wrote:
Hi has anyone else experienced delays in Amex reporting statement balance this month? My report is usually updated between ninth and 10th on experian with Amex balance but as of today it still hasn’t updated. Thanks
I called Amex about this, because I'm waiting to app for a mortgage until this blasted account cycles on my report. The CSR acted like this has ALWAYS been the case, of course, but the she said they report to the.bureaus 11 days after statement close.

Really? 11 days? Used to be statement cut...like clockwork.

"that's our policy, sir"

oook.

so... patience, I guess?

This is a prime example of why you can't always trust what a CSR says and in this case I'd expect much better from Amex.

All the large credit card issuers report account data to the credit bureaus at midnight P.S.T. of the Statement Close date. The notable exceptions are U.S. Bank and Elan Financial Services, a subsidiary of U.S. Bank, both of which report on the last business day of each month. The data is automatically uploaded in Metro 2 format using software that confirms to the Consumer Data Industry Association specifications.

That said, I haven't noticed any reporting delays on any of my 4 Amex accounts and I check my Experian reports daily. Experian is usually the fastest of the CRAs to update information, and they usually show updates 24 hours after receiving the new information.

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 16:16:48 GMT

@Anonymous You should still be able to view your Experian FICO 8 score by clicking on the Account Services page, then on Profile (in the left hand column), If you then scroll down you will see a link stating "View FICO Score."

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 16:17:59 GMT

Hi Maize. Have you checked your Acct page at Amex to see your Fico score?

Since my EX 8 is no longer being shown, and the fact that they have not updated my account to Experian this month, I was thinking that Amex might be having some sort of business dispute with Experian.

What do you think?

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 16:19:58 GMT

Thats the link I am refering to.

It used to show EX 8.

Now it is opening to a new page and showing TU Vantage 3.0

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 16:24:24 GMT

I just checked a minute ago and I can still see my Experian FICO 8 score on all 4 Amex accounts. There's another thread over the last weekend where people were complaining about not being able to retrieve the FICO score but I seem to be one of the people not affected by this problem.

Re: Amex experian reporting

Duke_Nukem — Thu, 18 Jun 2020 16:26:47 GMT

You now have to go to the "PROFILE" tab under "Account Services", and down at the bottom is a link to the "View FICO Score". Should be able to get your EX8 score there.

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 16:32:50 GMT

I called their CB rep line and that Rep did confirm there is an issue this month and did offer to push through an update today. Normally, I'd probably let it work itself out but I had a 3x CLI on this account that is not reflecting so that will have a bit if an impact this month.

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 18:25:03 GMT

My statement closed the 3rd and just updated on Exp today !

AZEO & Installment loan trick has me fully optimized at 740

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 18:50:33 GMT

Ok, I got it now.

They changed how to navigate to show EX8.

Thanks for the help!

Re: Amex experian reporting

Anonymous — Thu, 18 Jun 2020 18:51:35 GMT

Ok I got it.

Thanks Duke.