orchard not reporting

[brandiwine13]

I opened an orchard bank card on 3/23 and it's not apprearing on my CR yet.  i have cct and pull daily.  they said it could take up to 45 days.  i'm looking to rebuild after a BK and really need this card to report.  any advice?

[Anonymous]

I also have an Orchard account. Since 2006 and I'm not happy with them. They haven't updated my account in 2 months.

[Anonymous]

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@brandiwine13 wrote:

I opened an orchard bank card on 3/23 and it's not apprearing on my CR yet.  i have cct and pull daily.  they said it could take up to 45 days.  i'm looking to rebuild after a BK and really need this card to report.  any advice?

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I applied 2/27 for a credit card, got approved 3/14, and they started reporting 4/23. Hope this helps. It took forever for them to send the email that I was approved, but I had that I was since the 27th. Then, I waited almost 3 weeks after the email for my card to come. I was so scared it got lost in the mail.

Hope that helps somewhat. They took their time. I got a two point increase EQ for the inquiry, and lost 14 points when they reported....new account. :-(

[Iincognito]

Orchard Bank reports the balance of the last statement at the end of each month. For example, if your statement cycles on 05/03/10 and you just paid your account, your $0 balance will cycle on 06/03/10 but will not be reported until 06/30/10 -- in effect making it seem that they are behind on the reporting. On the other hand, if your statement cycles on 05/28/10, your zero balance will be reported on 05/31/10 or the next business day since that's a Holiday. Hope that helps...

[Anonymous]

Then something's up with my account. My statement cut on 4/29. The balance has been showing as $189.00 since March with no update. I know I've paid twice since then. The balance should show $75.00 since i paid that down before 4/29.

[happy0510]

They report around the 15th of ea month.

[Anonymous]

I'm going to hold you to it happy0510. Lol

[Anonymous]

happy0510, you're right.  They finally updated the correct balance today!  Thx

[happy0510]

Really? That's actually sooner than I would expect!! Lol  Congrats

[Anonymous]

Imagine my shock.  LOL!  Thanks!