@Anonymous wrote:
@AndySoCal wrote:To clarify: The subscriber code is the account that creditor used to pull the credit report. What product(s) like scores etc is based on what is enabled for the subscriber code. A hard pull is supposed to be done in the case of the pursuit of new credit which includes credit limit increase(s) and new accounts. Some lenders in the credit limit increase case will use a soft pull but it is upto the lender.
@AndySoCal I understand CRAs offer all sorts of services to subscribers/furnishers/lenders, and can provide info in a variety of formats, but monthly reporting is in Metro2 and some lenders fail to provide payment info. Consequently a CRA cannot furnish info it has never received.
Yeah, @Credit12Fico other banks may think you're carrying a balance and regularly paying, but all that would do is make them jealous of potential interest revenue.
Revolvers is where they make money. As long as there are no lates and utilization is not high, they love you. I doubt they can be sure whether you PIF on accounts that fail to report payment info and report similar balance info monthly, but I doubt they care, unless you become high risk.
It does seem to report strangely if your payments fall at certain times. I typically always PIF (total balance) but often times I will pay early so by the time the statement posts some charges have already hit the card (this is why I am terrible at AZEO). I used to always rotate cards just to show spend. Until recently I have never directed spend. My credit report shows like the OP, tons of $0 payment values, despite the fact that I always make a payment. Doesn't seem to hurt anything.
There are some that want perfect scores or who have the paitance to play the game to the fullest extent to get really great scores. It takes a lot of work and those people should be proud of their success but long term I think I have decided it is too much work to maintain those perfect scores.
