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Capital One Shenanigans!

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Super Contributor

Re: Capital One Shenanigans!

Yeah as everyone else has said, this is normal credit reporting behavior. No shenanigans here. 

No data is not negative info and a payment showing is not counted as a positive. Scores are generated based on the negative activity in a report, not the positive, so lenders aren't required to report on all of the positive activity. If they don't report for a month or multiple months, the default assumption by both the scoring algorithm and in review is that the account was in good standing. 

Whenever you dispute with Capital One, you will end up having a note added that the account is in dispute, which will also update your report as of that day, and you will have another update when the dispute is resolved. Most lenders will operate exactly the same if you are disputing information on your credit report. 




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