topic Re: Experian not updating an account but other two bureaus have? in General Credit Topics

Experian not updating an account but other two bureaus have?

phoenix12 — Tue, 25 May 2021 00:40:00 GMT

I have a Capital One card and they told me that they sent a report to all three bureaus on the 20th of May. I saw the updated 0 balance on Transunion and Equifax but as of today, I still do not see it updated on Experian. It has reported before on time, and I find it strange that this month is different. Any advice?

Re: Experian not updating an account but other two bureaus have?

AllZero — Tue, 25 May 2021 00:52:45 GMT

It's not just you. Experian used to be the first bureau to report. Now they seem to have slowed down for whatever reason. Just be patient. It'll eventually report.

Re: Experian not updating an account but other two bureaus have?

phoenix12 — Tue, 25 May 2021 00:53:54 GMT

Glad to see others are having issues. I knew something wasn't right haha.

Re: Experian not updating an account but other two bureaus have?

Anonymous — Tue, 25 May 2021 01:02:48 GMT

@phoenix12 wrote:
Glad to see others are having issues. I knew something wasn't right haha.

I'm also waiting on Experian to update my two Cap 1 cards from the 15th. Something's going on over there. Hopefully they're also dragging their feet on the dispute I sent them earlier in the month for something else.

Re: Experian not updating an account but other two bureaus have?

tparks5961 — Tue, 25 May 2021 01:23:22 GMT

Yeah, I have a BBT credit card account that should have updated 3/20.. It skipped an entire cycle and updated 5/20..

Re: Experian not updating an account but other two bureaus have?

babygirl1256 — Tue, 25 May 2021 01:29:52 GMT

@phoenix12 Welcome to the forum . . . Last week when I spoke to Experian's Supervisor of Special Handling, she said they were still working remotely due to the pandemic in addition to training a large number of new hires. My NFCU information wasn't updating but as of Sunday, 5/23/2021, it's now reporting. I'd say, just give them a little time!!!

Re: Experian not updating an account but other two bureaus have?

Jervo007 — Tue, 25 May 2021 07:46:48 GMT

Yup - same boat here. My cap 1 hasnt updated since 4/15 so I've been waiting too. Once the new balance of <2% reports, that should push me over 750. I keep checking and it's getting pretty unhealthy. lolz!

Re: Experian not updating an account but other two bureaus have?

Anonymous — Tue, 25 May 2021 13:26:11 GMT

My NFCU accts are slow to update to EX, my Discover however is super quick. Yesterday was my Discover closing date and it's updated on EX already as of this morning.

Re: Experian not updating an account but other two bureaus have?

Ficoproblems247 — Tue, 25 May 2021 14:10:55 GMT

I'll chime in too. Same here, just like @AllZero said, EX always used to be the golden boy of reporting. Almost all of my cards would be updated the next day after the statement cut, or 2 at the latest. Some of my cards are still updating quickly, but just like you my Cap1 cards are now very delayed. The last few months they have taken 10-14 days to update even though EQ has updated them within 2 days and TU within their usual 4 or so. Hopefully they will get on this and correct the issue. While it isn't the end of the world, its annoying if you're planning an app and you have to wait on a process that should be 100% automated to update simple data before you can pull the trigger.

Capital One not updating usage

Billharrell — Tue, 25 May 2021 14:30:02 GMT

I'm in the process of paying down all of my cc debt in advance of an app for my white whale: the Chase Amazon Visa. I have all of my (11) card balances down to nothing except my quicksilver, which last updated to the bureaus in early April, pretty much maxed out. Its been over six weeks and still showing that 90% usage.

My ficos are currently sitting in the 750-775 range, no derogitories, I'm 2/24, 4.5yrs aaoa, no relationship with chase. Should I pull the trigger or lie in wait? Any way to request cap1 update my usage? Disputing it with the bureaus sounds like a pain.

Thanks in advance.

Capital One not reporting to Experian

RTOrockstar — Tue, 25 May 2021 14:35:03 GMT

I got notification on May 17th that, according to Credit Karma, my new Capital One Walmart Rewards card was reported on Equifax and Trans union. I was approved for the card in March and this was my second statement cycle.

This morning I checked my Experian score on the Experian app and my score took a 19pt ding because it says my util is at 0%. My Capital One card is still not reporting on Experian. Anyone know why that might be? Is this normal?

Re: Capital One not updating usage

Anonymous — Tue, 25 May 2021 14:59:39 GMT

@Billharrell wrote:
I'm in the process of paying down all of my cc debt in advance of an app for my white whale: the Chase Amazon Visa. I have all of my (11) card balances down to nothing except my quicksilver, which last updated to the bureaus in early April, pretty much maxed out. Its been over six weeks and still showing that 90% usage.

My ficos are currently sitting in the 750-775 range, no derogitories, I'm 2/24, 4.5yrs aaoa, no relationship with chase. Should I pull the trigger or lie in wait? Any way to request cap1 update my usage? Disputing it with the bureaus sounds like a pain.

Thanks in advance.

Are you talking about Experian specifically? There seems to be an isue with Cap1 and Experian. Here's the thread that's discussing it.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Experian-not-updating-an-account-but-other-two-bureaus-have/td-p/6335577

Re: Capital One not updating usage

jcooks — Tue, 25 May 2021 15:01:30 GMT

That's very ironic. I'm waiting for Cap One to start showing my balance. I got caught with AZ penalty. I had all cards at 0 balance, was just strictly using my Chase. Mid statement, I paid the Chase off completely and they reported it. Score dropped 20 points because of this. One of my Cap One cards closed with $50 on May 14th. It still hasn't reported to any CRA's. I just pulled my weekly reports yesterday.

Re: Capital One not updating usage

Billharrell — Tue, 25 May 2021 15:11:32 GMT

Yes, it's definately experian. I haven't checked the other two because i only get them once-a-month with my experian subscription. Might check them now though...

Thanks

Re: Experian not updating an account but other two bureaus have?

Billharrell — Tue, 25 May 2021 15:15:13 GMT

Add my name to the list, my QS hasn't updated since 4/15. I've azeo'd in advance of an app but that balance just won't cooperate. Does Chase pull experian?

Re: Experian not updating an account but other two bureaus have?

babygirl1256 — Tue, 25 May 2021 15:20:15 GMT

@Billharrell Yes, Chase pulls Experian and that's why I was working so hard to get my EX file "clean".

Re: Experian not updating an account but other two bureaus have?

Ficoproblems247 — Tue, 25 May 2021 16:26:39 GMT

@Billharrell wrote:
Add my name to the list, my QS hasn't updated since 4/15. I've azeo'd in advance of an app but that balance just won't cooperate. Does Chase pull experian?

@Billharrell Chase can pull any of the 3, and often a combination of two.

Re: Capital One not reporting to Experian

Ficoproblems247 — Tue, 25 May 2021 16:32:04 GMT

There is another recent thread about this that you can read here.

It seems this is becoming a common current issue for them.

Re: Capital One not reporting to Experian

Mr_Mojo_Risin — Tue, 25 May 2021 17:07:01 GMT

A lot of members here have noticed that EX has been slow to report over the last couple of months.

Something different is going on over there, hopefully they get it worked out soon.

Re: Capital One not updating usage

Mischa — Wed, 26 May 2021 01:56:24 GMT

My QS, which closed on the 21st, was updated to TU on the 24th. Nothing for EX yet though. I do think it might be a EX issue rather than Cap One from what I've been reading.