Capital One Is Screwing Me Over

[xXIDaShizIXx]

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@gdale6 wrote:

For numbers http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/td-p/408066

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Thank you for that, let me give them a call and I will let you know what they say.

[xXIDaShizIXx]

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@blondy250 wrote:

No credit card company is required to report your payment history, most do however but some are slow in reporting. They are only required to report correctly when they do. With a very thin credit file I wouldn't be surprised that your scores move very little, and like has previously been posted disregard CK scores entirely.

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So should I start looking elsewhere and close that account after I hit the 6 months with them at the beginning of April?

[-Wade-]

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@xXIDaShizIXx wrote:

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@gdale6 wrote:

For numbers http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/td-p/408066

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Thank you for that, let me give them a call and I will let you know what they say.

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Good luck

[12njoy]

@op,
I have never heard of this regarding capital one. Maybe they're slow to report in your case. My USAA credit card student report for 2 months. One of my amex cards took 3 months to report.

[xXIDaShizIXx]

Ok, for one, should I pull all three of the side by sides? Maybe that would help. Also, in April should I try to move on from the secured card? I mean this just seems a little ridiculous.

[daybreakgonesXe]

OP, i would check your credit reports. You're allowed each of the 3 major bureaus once a year through annualcreditreport.com

First off, make sure your card is actually reporting each month. If it is, great! If not, definitely get in touch with Cap One.

Second off, don't take the CK score to heart; CK sometimes doesn't change with certain factors that typically make FICOs change. Sometimes CK changes over stupid things FICOs don't consider. Take it all with a grain of salt.

Third off, 4 months is still young. I'm sure your account has caused your FICOs to improve, but you typically see more "major" score bumps after 6 months, 1 year, 2 years, etc. By major, i mean it will go up, but not 100 points. They can be by a couple points, 5 points, 10 points, 20 points. So many other things factor into your FICO.

Finally, patience is key I forgot the backstory to your credit, so I deeply apologize that I don't know exactly what's going on, but do you have any derogs or negative information on your report? Or are you starting from scratch? Either way, those factors hold your score back tremendously that you won't really see jumps until the negatives fall off or your history ages past the one year mark.

Don't worry, you're doing a great job, so don't let the little things get to you! It just takes some time, that's all!

All the best in your credit journey

[blondy250]

No after a year, I'd apply for a "prime card" or two. I wouldn't close it even then, unless your paying a AF.

[xXIDaShizIXx]

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@daybreakgonesXe wrote:

OP, i would check your credit reports. You're allowed each of the 3 major bureaus once a year through annualcreditreport.com

First off, make sure your card is actually reporting each month. If it is, great! If not, definitely get in touch with Cap One.

Second off, don't take the CK score to heart; CK sometimes doesn't change with certain factors that typically make FICOs change. Sometimes CK changes over stupid things FICOs don't consider. Take it all with a grain of salt.

Third off, 4 months is still young. I'm sure your account has caused your FICOs to improve, but you typically see more "major" score bumps after 6 months, 1 year, 2 years, etc. By major, i mean it will go up, but not 100 points. They can be by a couple points, 5 points, 10 points, 20 points. So many other things factor into your FICO.

Finally, patience is key I forgot the backstory to your credit, so I deeply apologize that I don't know exactly what's going on, but do you have any derogs or negative information on your report? Or are you starting from scratch? Either way, those factors hold your score back tremendously that you won't really see jumps until the negatives fall off or your history ages past the one year mark.

Don't worry, you're doing a great job, so don't let the little things get to you! It just takes some time, that's all!

All the best in your credit journey

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I have no derogatory marks. I have student loans all paid on time. I have an AAMCO Car Care One Card and the Capital One secured card. I have pulled the reports, its not even showing. That's why I was wondering about my scores and whether or not I should go ahead and buy all three? And yes I'm starting from scratch other than the student loans.

[Anonymous]

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@xXIDaShizIXx wrote:

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@gdale6 wrote:

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@xXIDaShizIXx wrote:

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@baller4life wrote:

That it so not true. My Cap 1 secured reported after 2nd billing cycle and then every month after that. Posts to all bureaus about 2 or 3 days after statement closes.

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See that is what I was told as well when I first opened it, but everytime I have asked I have gotten a different answer and only got that inital 37 point increase on TU when I first opened it. Seriously I have no idea what to do?

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well the first thing to do is throw that FAKO from Credit Karma right out the door, it is meaningless, my numbers on it have not moved much on it (within +-10) over past year while my actual FICO has gone up down +- 30 points. I discount any numbers off my TU as it is the only report that still has a 9 yr dismissed BK on it, the report is frozen, no one new can pull it and it will remain frozen and discounted till the BK disappears.

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Yeah its useless.  I agree, I wish someone would answer my questions though?

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My Cap 1 seems to report consistantly every month.

[daybreakgonesXe]

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@xXIDaShizIXx wrote:

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@daybreakgonesXe wrote:

OP, i would check your credit reports. You're allowed each of the 3 major bureaus once a year through annualcreditreport.com

First off, make sure your card is actually reporting each month. If it is, great! If not, definitely get in touch with Cap One.

Second off, don't take the CK score to heart; CK sometimes doesn't change with certain factors that typically make FICOs change. Sometimes CK changes over stupid things FICOs don't consider. Take it all with a grain of salt.

Third off, 4 months is still young. I'm sure your account has caused your FICOs to improve, but you typically see more "major" score bumps after 6 months, 1 year, 2 years, etc. By major, i mean it will go up, but not 100 points. They can be by a couple points, 5 points, 10 points, 20 points. So many other things factor into your FICO.

Finally, patience is key I forgot the backstory to your credit, so I deeply apologize that I don't know exactly what's going on, but do you have any derogs or negative information on your report? Or are you starting from scratch? Either way, those factors hold your score back tremendously that you won't really see jumps until the negatives fall off or your history ages past the one year mark.

Don't worry, you're doing a great job, so don't let the little things get to you! It just takes some time, that's all!

All the best in your credit journey

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I have no derogatory marks. I have student loans all paid on time. I have an AAMCO Car Care One Card and the Capital One secured card. I have pulled the reports, its not even showing. That's why I was wondering about my scores and whether or not I should go ahead and buy all three? And yes I'm starting from scratch other than the student loans.

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Wow, i'm surprised they're not showing.

At this point I wouldn't buy your scores; buying scores are good to do before credit and loan applications; it's the content of your report that matter! Using the FAKO scores are helpful gauges to see where you're at, but not to be taken to heart!

Definitely contact Cap One EO on this matter. I haven't heard of Cap One not reporting to the bureaus. Very strange, indeed!