Capital One AU account

[Tryingtogetmydreamhouse]

Hi,

 Can anyone help me understand why Experian is the only CRA out of the 3 that isn't showing my Capital one authorized account? The account has never been delinquent/derogatory, and it according to Capital one, it's been reported to all 3 CRAs and two of the three show the account?

[sznthescore]

How long has it been since you've been added? The bureaus can sometimes be delayed in updates. 

[Tryingtogetmydreamhouse]

Maybe 3 weeks. The statement ending date was 02/03/2023. TransUnion and Equifax updated last Wednesday and Friday. Nothing from Experian yet.

[GTS]

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@Tryingtogetmydreamhouse wrote:

Maybe 3 weeks. The statement ending date was 02/03/2023. TransUnion and Equifax updated last Wednesday and Friday. Nothing from Experian yet.

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@TryingtogetmydreamhouseI can't speak on Cap1 but I know when I got added as an AU for an AA Citi card in 2016 it took 3 months before the account was posted to all 3 CRA. If you were to get a new card about 90% of the time it won't report until after your 1st due date only the HP reports immediately so the fact that you got 2 CRA on board in 3 weeks is good. Only card I ever got to report immediately ever is the PPMC and I'm assuming that's because they let you use part of your limit before you get your physical card. Also keep in mind that some issuers don't take AU accounts into consideration when applying for new credit because you have no liability on said account your just authorized to use it.

[Tryingtogetmydreamhouse]

I was added just before the statement closing date ( 1 week before ), so EQ and TU added the account right after statement closing, EX didn't.. and it's been 2 weeks since statement closing now! The second statement closing since I was added is about to happen within a couple of weeks.

[OmarGB9]

Give it another month or so. If it still doesn't report, contact Cap One again. Sometimes it takes a couple of cycles.