topic Re: cra reporting in General Credit Topics

cra reporting

Anonymous — Sat, 05 Jan 2008 22:33:05 GMT

I have a Dell account that was opened last feb. 2007. They started reporting to all cra for about 3

months. Then they stopped and only report to Ex to date Dec.2007. How will the not reporting

to the other two affect their scores?

Woody

Re: cra reporting

MidnightVoice — Sat, 05 Jan 2008 22:35:19 GMT

Is it showing up at all on the other two right now?

Re: cra reporting

Anonymous — Sat, 05 Jan 2008 22:41:48 GMT

Yes it shows up as current but has not been updated since oct.

I say since oct before that I got the little white boxes showing as not reported.

Woody

Message Edited by klin on 01-05-2008 02:41 PM

Re: cra reporting

Anonymous — Sun, 06 Jan 2008 01:58:54 GMT

DELL had a name change it is showing as dell on some and the new one on others

Look for CIT BANK/DFS

Re: cra reporting

haulingthescoreup — Sun, 06 Jan 2008 02:46:29 GMT

Also, you sometimes won't get the green squares on TC even when an account is reporting. Click Printer friendly version up at the top right, or click "more about this account" on the Dell listing. What date does it show for "Reported"? It ought to show a December date, or maybe a November date, depending on how frequently it updates.

Re: cra reporting

Anonymous — Sun, 06 Jan 2008 15:01:09 GMT

This is how it is showing.

TransUnion Experian Equifax

Past Due: $0

High Balance: $1754 $1754

Terms: Limit: $3000 $3000 $ 3000

Payment: $53 $15

Opened: 02/03/2007 02/2007 02/2007

Reported: 10/31/2007 12/31/2007 10/2007

Responsibility: Individual Individual Individual

Woody

Re: cra reporting

haulingthescoreup — Sun, 06 Jan 2008 15:38:22 GMT

Interesting! Two possibilities come to my mind:
-Dell has started reporting quarterly to EQ and TU, but they still report monthly to EX
-Dell has completely stopped reporting to EQ and TU.

Do you have any saved reports from September or August? Did all three CRA's update in those months?

And then there is what HappyDays posted --they now report as CIT BANK/DFS, which I'm guessing is Citibank/ Dell Financial Services. I'd keep looking up and down your list and see if there is a separate entry for one of those names.

I have one account with two spellings of its name, and it shows all by itself on one entry under EX, and on another entry under EQ and TU. Same data, just slightly different captions.

Re: cra reporting

Anonymous — Sun, 06 Jan 2008 16:37:17 GMT

The account has always been reported as CIT BANK/DFS and the last time reported

to all three ca was 10/31/07 for the month of Sept.. Do some ccc report Quarterly? Seems like to me

once they start reporting one way they should continue. I bet if I had a late it would

pop up quick. Thanks

Woody

Message Edited by klin on 01-06-2008 08:37 AM

Re: cra reporting

haulingthescoreup — Sun, 06 Jan 2008 17:17:38 GMT

Sounds like a phone call to Dell is in order! I'd probably wait until a weekday.