Discover suddenly missing from credit report. What to do?

[Anonymous]

A friend of mine requested Discover to manually report to the CRAs for some reason and since then it's been missing from her TransUnion credit reports pulled by CreditKarma. Could the credit file have split? She has only 6 or so credit cards though.

Anyway, is there anything she should do now? We've waited through two weekly updates by CK and it hasn't shown up yet. It's showing up fine on the Equifax report (CreditKarma) though.

[Anonymous]

What she should do is check her report directly with TU and not CK. CK has had issues with showing accurate information for some people.

[Anonymous]

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@Anonymous wrote:
What she should do is check her report directly with TU and not CK. CK has had issues with showing accurate information for some people.

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Thanks. That was my initial thought too. But "googling" split files, it seems that the credit report one gets directly from the bureaus don't usually show the split, while creditors see the split (only 1 part of the file). I don't know how true that is though.

[taxi818]

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@Anonymous wrote:

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@Anonymous wrote:
What she should do is check her report directly with TU and not CK. CK has had issues with showing accurate information for some people.

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Thanks. That was my initial thought too. But "googling" split files, it seems that the credit report one gets directly from the bureaus don't usually show the split, while creditors see the split (only 1 part of the file). I don't know how true that is though.

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Split does not happen because a file being reported or not. there are specific things that cause a file to split. which cannot be discussed here i think. but no need to worry about that. a lender report has no way to split a file. that is just paranoia

[Anonymous]

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@taxi818 wrote:

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@Anonymous wrote:

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@Anonymous wrote:
What she should do is check her report directly with TU and not CK. CK has had issues with showing accurate information for some people.

---

Thanks. That was my initial thought too. But "googling" split files, it seems that the credit report one gets directly from the bureaus don't usually show the split, while creditors see the split (only 1 part of the file). I don't know how true that is though.

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Split does not happen because a file being reported or not. there are specific things that cause a file to split. which cannot be discussed here i think. but no need to worry about that. a lender report has no way to split a file. that is just paranoia

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Fair enough! I'll encourage her to pull a TU report from annualcreditreport.

PS I like your avatar.

[taxi818]

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@Anonymous wrote:

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@taxi818 wrote:

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@Anonymous wrote:

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@Anonymous wrote:
What she should do is check her report directly with TU and not CK. CK has had issues with showing accurate information for some people.

---

Thanks. That was my initial thought too. But "googling" split files, it seems that the credit report one gets directly from the bureaus don't usually show the split, while creditors see the split (only 1 part of the file). I don't know how true that is though.

---

Split does not happen because a file being reported or not. there are specific things that cause a file to split. which cannot be discussed here i think. but no need to worry about that. a lender report has no way to split a file. that is just paranoia

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Fair enough! I'll encourage her to pull a TU report from annualcreditreport.

PS I like your avatar.

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You are very welcomed.

[JagerBombs89]

I had an account randomly stop reporting to EX.  I contacted them and they said they report to all 3 and I should contact EX directly and ask why it's not being reported

[Scupra]

I often get alerts that accounts are no longer on my report from CK. Next month I get an alert for a newly added account, smh!

[Ghoshida]

I don't know about this Discover account specifically but with TU, weird things do happen.

My first ever CC wasn't updating with TU sometime last year; and I asked first my CU to update, you know, how I'd gone from this guy with 60% util to <10% util. Anyhow, CU insisted that they were reporting to all 3 and that I should dispute with TU. So I did, and the only thing that did was that TU just removed the line in question. 

TU plain acts weird; on CK 4 of my inquiries (> 1 year but < 2 years old, those are the only inquiries) don't even show up. They are there on the actual report but not on CK. It's possible that they're not there on creditor's reports either; but I'm not betting on it. 

[ksantangelo23]

If you report a lost/stolen card to Discover, they will have the old account completley removed from your CR's within days, sometimes same day, and repost later on.

Was the account reported lost or stolen recently? That's all I can think of