Chase Visa Signature - Not Reporting as Flex Spending Acct on Experian

[joesbrat67]

I just reviewed my most recent credit report (01/01/2017) and noticed that EX is not reporting my Chase Visa Sig as flex spending account, unlike EQ and TU which are.  Same with VantageScore 3.0.  Is there are a way to correct this?

Also - is there a reason that the flex spending identifiers are not noted on FICO reports?

[Discover2016]

Yep same here, all my flex spending accounts don't report as such on my experian report but they do on Tu and Eq. I think it's an experian quirk and I am not sure there is anything we can do.

[joesbrat67]

I found this online with a little help from Google:

Experian Glossary of account conditions and payment status

Short Name: FSC

Type code: 0G

Description: Flexible spending credit card

I have no idea how this code gets populated, but I'm going to look into this further to ensure that the card is reported correctly.  I'll update as soon as I can.

[Anonymous]

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@joesbrat67 wrote:

I found this online with a little help from Google:

Experian Glossary of account conditions and payment status

Short Name: FSC

Type code: 0G

Description: Flexible spending credit card

I have no idea how this code gets populated, but I'm going to look into this further to ensure that the card is reported correctly.  I'll update as soon as I can.

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I'm curious as to why it matters how it is reported.  It does not affect your credit score or reports in any positive way.  If you and the issuer of the card knows that it is a flexible spending card, that is all that matters.

[DeeBee78]

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@Anonymous wrote:

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@joesbrat67 wrote:

I found this online with a little help from Google:

Experian Glossary of account conditions and payment status

Short Name: FSC

Type code: 0G

Description: Flexible spending credit card

I have no idea how this code gets populated, but I'm going to look into this further to ensure that the card is reported correctly.  I'll update as soon as I can.

---

I'm curious as to why it matters how it is reported.  It does not affect your credit score or reports in any positive way.  If you and the issuer of the card knows that it is a flexible spending card, that is all that matters.

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It's unnecessairly neurotic, like when people try to obtain Visa Signature status on their cards, but never use the benefits. 

[Anonymous]

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@Anonymous wrote:

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@joesbrat67 wrote:

I found this online with a little help from Google:

Experian Glossary of account conditions and payment status

Short Name: FSC

Type code: 0G

Description: Flexible spending credit card

I have no idea how this code gets populated, but I'm going to look into this further to ensure that the card is reported correctly.  I'll update as soon as I can.

---

I'm curious as to why it matters how it is reported.  It does not affect your credit score or reports in any positive way.  If you and the issuer of the card knows that it is a flexible spending card, that is all that matters.

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And even then it probably doesn't matter, as most people here won't spend above their CL.   Still, each to their own, many people pursue CLIs and APR reductions with as much real-world need.