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AMEX only reports to EX?

tag
Repo-ed
Senior Contributor

AMEX only reports to EX?

So after nearly 3 months since apping for amex zync, it just showed up on my EX report only ( back dated to 06 via USAA CMS)

Do I need to pull FICO copies of TU and EQ, to see if they are during there?

bummer if they only report to the one - or atleast for me.
5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 1 of 13
12 REPLIES 12
Duncanrr
Valued Contributor

Re: AMEX only reports to EX?

EX is always the first to report new accounts and changes in accounts.  I just had my Cap1 start reporting today and it has only showed up on EX so far.  From what Ive read you can expect to see EQ report the card in 3 to 4 days after EX and TU....well who knows.  TU seems to be very slow.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 2 of 13
Repo-ed
Senior Contributor

Re: AMEX only reports to EX?

ah, well, hopefully that will be the case. thanks!
5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 3 of 13
CS800
Super Contributor

Re: AMEX only reports to EX?

Strange because my Plat and Zync reported inside 4 weeks to all 3.




Message 4 of 13
Duncanrr
Valued Contributor

Re: AMEX only reports to EX?


@CS800 wrote:

Strange because my Plat and Zync reported inside 4 weeks to all 3.


It also seems to be different with different cards in how quickly they report.  My WF card reported to all three within 3 days my first statement on all but TU...TU was about a week or so.  (Cap1 was 3 days from second statement on EX only).



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 13
hotpoint
Regular Contributor

Re: AMEX only reports to EX?


@Repo-ed wrote:
So after nearly 3 months since apping for amex zync, it just showed up on my EX report only ( back dated to 06 via USAA CMS)

Do I need to pull FICO copies of TU and EQ, to see if they are during there?

bummer if they only report to the one - or atleast for me.

Question: Please explain "back dated to 06" via USAA CMS" . . .  how did this happen!

 

HotPoint


Message 6 of 13
CS800
Super Contributor

Re: AMEX only reports to EX?


@hotpoint wrote:

@Repo-ed wrote:
So after nearly 3 months since apping for amex zync, it just showed up on my EX report only ( back dated to 06 via USAA CMS)

Do I need to pull FICO copies of TU and EQ, to see if they are during there?

bummer if they only report to the one - or atleast for me.

Question: Please explain "back dated to 06" via USAA CMS" . . .  how did this happen!

 

HotPoint



What I think was meant by that is that he saw that his AMEX was backdated via the USAA credit monitoring that he uses.




Message 7 of 13
CS800
Super Contributor

Re: AMEX only reports to EX?


@Duncanrr wrote:

@CS800 wrote:

Strange because my Plat and Zync reported inside 4 weeks to all 3.


It also seems to be different with different cards in how quickly they report.  My WF card reported to all three within 3 days my first statement on all but TU...TU was about a week or so.  (Cap1 was 3 days from second statement on EX only).


My Old Navu reported 2 days after it was opened on all 3. GE is fast




Message 8 of 13
LS2982
Mega Contributor

Re: AMEX only reports to EX?


@Repo-ed wrote:
So after nearly 3 months since apping for amex zync, it just showed up on my EX report only ( back dated to 06 via USAA CMS)

Do I need to pull FICO copies of TU and EQ, to see if they are during there?

bummer if they only report to the one - or atleast for me.

AMEX reports to all 3 bureaus. They typically report new accounts after the 1st full cycle statement goes through. EX is usually the 1st to report followed by EQ then TU.




EQ FICO 548 3/3/16
Message 9 of 13
Repo-ed
Senior Contributor

Re: AMEX only reports to EX?

yes, I noticed via usaa cms that my acct was back dated to 06
5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 10 of 13
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