reporting to bureau

Skye12329 · ‎09-19-2013

When a CC reports does it report to all 3 at the same time or is it different dates?

BK7 - 2/21
Cap1 QS - 2k (4/21)
Mission Lane - 4k (11/21)
Venmo - 900 (11/21)
SavorOne - 2500 (12/21)
VentureOne - 2000 (7/22)

red259 · ‎09-19-2013

I think the CCC reports all at once instead of to different bureaus on different days. I'm not sure as I never even thought about the possibility!

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

SuperKirby · ‎09-19-2013

My guess is at the same time, after the statement closes. If they do it at different times, i'm guessing that causes more work. More work = more $.

However there are times when one of my cards didn't report. I need to look into that...

red259 · ‎09-19-2013

@SuperKirby wrote:
My guess is at the same time, after the statement closes. If they do it at different times, i'm guessing that causes more work. More work = more $.

However there are times when one of my cards didn't report. I need to look into that...

Some CCCs do not update every 30 days.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

SuperKirby · ‎09-19-2013

@red259 wrote:
@SuperKirby wrote:
My guess is at the same time, after the statement closes. If they do it at different times, i'm guessing that causes more work. More work = more $.

However there are times when one of my cards didn't report. I need to look into that...
Some CCCs do not update every 30 days.

My Amex Plat has been reporting accurately every month for the last 2 years i've had it. It stopped reported the last two months (it just says zero now). It doenst really concern me because it doesnt hurt/help my score anyway. But should I be concerned otherwise?

I looked on myFICOs EQ report and CK.

Boonie · ‎09-19-2013

I have noticed that the majority of my credit card accounts haven't reported since July.

04/10/17 - FICO 8s - EX 769, EQ 710, TU 724

djc1puno · ‎09-19-2013

I think they all report to all three at the same time...its just the cras that can take a day or two before others to report...

@boonie...that is old...if ur accts are old i would contact the creditors to see whay its takig that long to update

GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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SuperKirby · ‎09-19-2013

Yeah, it's weird. Only my charge card hasn't reported correctly since July. This month its reporting as $0.00, even though I let the statement cut with a huge balance on it. This has never happened in the two years i had this card.

I'll wait another month or two and wait it out. It doesn't affect my FICO so i'm not too worried, yet...