I've been helping my SO build her credit.
It was me that actually found a medical collection on her account from before she was 16. ($45 but still)
She paid and they removed it from her reports.
When accessing CK and CS the only thing that shows on her credit is her student loan.
She's an AU on three of my cards but they don't reflect any information on her reports.
Neither does her CapOne Student card.
Anyone have this happen?
@SunriseEarth wrote:
@H4LO wrote:I've been helping my SO build her credit.
It was me that actually found a medical collection on her account from before she was 16. ($45 but still)
She paid and they removed it from her reports.
When accessing CK and CS the only thing that shows on her credit is her student loan.
She's an AU on three of my cards but they don't reflect any information on her reports.
Neither does her CapOne Student card.
Anyone have this happen?
Cap One reports to four CRAs. How long ago did she get the CapOne card?
I would also suggest getting the CRs from the CRAs directly to see how they look.
She's had it for quite some time now.
I'd say about ~4-5 months. Way beyond the typical reporting times.
I'll have to get with her and pull them. See what's up with them.
although CK is usually in the ballpark as it relates to overall score, i find they miss a lot of things
.....
.....
today, for example, is when CK is supposed to refresh my activity. i was expecting an inquery drop off and my score stayed the same....grrr
@cakebuilder wrote:although CK is usually in the ballpark as it relates to overall score, i find they miss a lot of things
CK is never in the ballpark for me personally; it's all coincidental if it is. There's no correlation, the TU report data is useful from CK, the scores not so much unfortunately. I simply ignore them.
you are probably right. i took a closer look today and many items were not available
@takeshi74 wrote:Definitely pull reports directly to verify.
@H4LO wrote:She's an AU on three of my cards but they don't reflect any information on her reports.
Which cards? Not all report for AU's.
Discover, Chase and AMEX.