Cap1/Walmart NR to EQ or TU

redE2move · ‎01-27-2022

I just discovered that Cap1/Walmart is not reporting to Equifax or TransUnion. I wondered why my total credit line and credit score is significantly lower on EQ which prompted me to scan my report with a fine tooth comb. Is anyone else experiencing this?

SoCalGardener · ‎01-28-2022

@redE2move wrote:
I just discovered that Cap1/Walmart is not reporting to Equifax or TransUnion. I wondered why my total credit line and credit score is significantly lower on EQ which prompted me to scan my report with a fine tooth comb. Is anyone else experiencing this?

No, I'm not. It reports like clockwork every month on all three credit bureaus.

Is the card new? If not, is this problem new? Was it reporting and then stopped? If the account is new, how new is it?

American Express Blue Cash Preferred Card

SUPERSQUID · ‎01-29-2022

My 3 cap 1 cards report every month to all 3 agencies.

If the card is new the reporting is funky the first couple of months.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

redE2move · ‎01-30-2022

It's not a new card. The Walmart store card was taken over by Cap1 from Sychrony maybe a year or so ago. It's new to Cap1 but the account was bought from Synchrony. My guess is since then it has reported this way. It's not a Walmart MC or Visa, just the store card. Not sure if that makes any difference or not. My Quicksilver/Cap1 card reports to all 3 CBs and my Synchrony cards report to all 3 as well. I guess this may just be an anomaly.

FinStar · ‎02-01-2022

@redE2move - it could be some anomaly, but I don't think it matters if it's the store version or the MC reporting-wise. Mine reports to all 3 and it's life began with SYNCB as well. Is the card used every month or has it been inactive for a few months?