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CC monthly reporting to credit agencies

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Established Member

CC monthly reporting to credit agencies

will some cards out of the blue just not make a monthly report to credit agencies?  just gone back over the past year + and every month my 5 cards have made their report on about the same day each month without missing.  out of the blue one that should have reported about jan 3rd and one that should have reported on about jan 10 still havent shown up on credit report.  

 

should i call each of them and report that?  is there something going on I should look into or not worry about it?  TIA

 

 

Message 1 of 7
6 REPLIES 6
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Valued Contributor

Re: CC monthly reporting to credit agencies

Don't worry about it. Certainly don't bother to call them about it.

 

From time to time, issuers will change their reporting dates, or even miss a month completely. It happens. Generally doesn't matter (unless you were specifically waiting for an account pay-down/pay-off to report, anyway).

 

Remember, a "no data" month is scored exactly the same as an "OK" month.  Lots of green checkmarks or "OK"s may look pretty, but they have no effect.  It's only the presence of negative items that matter - if the month is not reported as 30/60/90/120+/CO, etc... it's assumed to be "good".

 

EQ8:850 TU8:850 EX8:850
EQ9:850 TU9:850 EX9:850
EQ5:809 TU4:789 EX2:819 - 2019-09-06
Message 2 of 7
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Super Contributor

Re: CC monthly reporting to credit agencies

Yeah SSFCU sometimes goes months of no reporting activity on my card, it doesn’t really have any bearing on anything when they do finally report. 



01/2019:
02/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 3 of 7
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Established Member

Re: CC monthly reporting to credit agencies

ah ok thx for replies.  I actually did make a huge payment on my chase card that I had bought some new equipment on a few months ago.  went from 80% utilization to paid off and Im anxious to see what that does to my score as im a fico peeper and of course it didnt report this month lol

Message 4 of 7
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Frequent Contributor

Re: CC monthly reporting to credit agencies

Chase generally reports mid-cycle whenever your balance hits zero.

Scores: Feb 20: EX FICO8 787, TU FICO8 808, EQ FICO 793, TU V3 810, EQ V3 810
AoOA: closed: 35 years, open: 24 years; AAoA: 11.8 years; 1 30 day late in 2013
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 5 of 7
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Community Leader
Senior Contributor

Re: CC monthly reporting to credit agencies

And Chase will report whenever you call and ask them to, so go ahead and make that request if you'd like. You should also find out what happened because this is unusual. They'd probably like to know what happened too.

Message 6 of 7
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New Contributor

Re: CC monthly reporting to credit agencies

IMO as long as you do not have a "Red Mark" or "late" then you are good, and there is nothing to worry about unless you are drastically trying to lower the DTI

Message 7 of 7
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