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Capital one slow to report?

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OmarGB9
Community Leader
Super Contributor

Re: Capital one slow to report?

Aw Sorry to hear. If it makes you feel any better, I'd almost be at the one month mark in gardening if I hadn't jumped the fence to apply for the venture. Though I don't regret it as it's my highest SL to date and also my first visa sig. Smiley Very Happy I never would've imagine me getting approved for such a massive CL so soon in my credit journey! But anyway, back to the topic, I don't mind the fact that it hasn't reported as I'm running it up a bit right now for a vacation. Lol

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 11 of 21
1Rebuilding
New Contributor

Re: Capital one slow to report?

Has anyone had any luck calling them and asking for an update to the 3cb?  I've had an account since 7-8-15 and it still isn't reporting.  I've also had some heavy usage on it and closed in with a $0 balance on the 8-18-15 closing date.  I am applying for a car loan in 3 weeks and could really use the bump in my credit score.  

Discharged Chapter 13 late 5/15. Starting my rebuild:
7/28/15 Fico 8: EQ 567-Trans 534-Ex 542-----8/28/15 Fico 8: EQ 632-Trans 622-EX 625
9/25/15 Fico 8 EQ 663-Trans 634-EX 645-----12/9/15 Fico 8: EQ 673-Trans 654-EX 663
2/17/16 Fico 8: EQ 670-Trans 658-EX 676-----3/4/16 Fico 8: EQ 686-Trans 667-EX 686
Message 12 of 21
Anonymous
Not applicable

Re: Capital one slow to report?

I'm two weeks in and nothing has been reported to the credit bureaus.

Message 13 of 21
Anonymous
Not applicable

Re: Capital one slow to report?


@1Rebuilding wrote:

Has anyone had any luck calling them and asking for an update to the 3cb?  I've had an account since 7-8-15 and it still isn't reporting.  I've also had some heavy usage on it and closed in with a $0 balance on the 8-18-15 closing date.  I am applying for a car loan in 3 weeks and could really use the bump in my credit score.  


If your first statement just cut, give it about a week from then it should report to all three at that point. My most recent card took 6 weeks from receipt to report.

Message 14 of 21
OmarGB9
Community Leader
Super Contributor

Re: Capital one slow to report?

^this. Mine ended up taking about 5-6 weeks to finally report.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 15 of 21
Anonymous
Not applicable

Re: Capital one slow to report?

I JUST got off the phone with them and the lady said that my statement cut date was 8/18 and all the info from statement is reported to all 3 CBs 2-3 business days after my cut date. So I'm hoping to see it show up on my CRs sometime next week. I would imagine that it takes a couple of business days on the CBs end as well.

Message 16 of 21
1Rebuilding
New Contributor

Re: Capital one slow to report?

Cool, I will see if it pops up this week.  My statement also cut on 8/18.

Discharged Chapter 13 late 5/15. Starting my rebuild:
7/28/15 Fico 8: EQ 567-Trans 534-Ex 542-----8/28/15 Fico 8: EQ 632-Trans 622-EX 625
9/25/15 Fico 8 EQ 663-Trans 634-EX 645-----12/9/15 Fico 8: EQ 673-Trans 654-EX 663
2/17/16 Fico 8: EQ 670-Trans 658-EX 676-----3/4/16 Fico 8: EQ 686-Trans 667-EX 686
Message 17 of 21
1Rebuilding
New Contributor

Re: Capital one slow to report?

It showed up on EQ and Trans yesterday.  I got a nice 60+ bump on both.

Discharged Chapter 13 late 5/15. Starting my rebuild:
7/28/15 Fico 8: EQ 567-Trans 534-Ex 542-----8/28/15 Fico 8: EQ 632-Trans 622-EX 625
9/25/15 Fico 8 EQ 663-Trans 634-EX 645-----12/9/15 Fico 8: EQ 673-Trans 654-EX 663
2/17/16 Fico 8: EQ 670-Trans 658-EX 676-----3/4/16 Fico 8: EQ 686-Trans 667-EX 686
Message 18 of 21
Anonymous
Not applicable

Re: Capital one slow to report?

Mine has not showed up anywhere yet.....talk about frustrating. All the simulators I've used guess that I should have around a 20+ point increase in my scores once it shows up.

Message 19 of 21
1Rebuilding
New Contributor

Re: Capital one slow to report?

I got a nice bump since this is my first card to report post CH13

Discharged Chapter 13 late 5/15. Starting my rebuild:
7/28/15 Fico 8: EQ 567-Trans 534-Ex 542-----8/28/15 Fico 8: EQ 632-Trans 622-EX 625
9/25/15 Fico 8 EQ 663-Trans 634-EX 645-----12/9/15 Fico 8: EQ 673-Trans 654-EX 663
2/17/16 Fico 8: EQ 670-Trans 658-EX 676-----3/4/16 Fico 8: EQ 686-Trans 667-EX 686
Message 20 of 21
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