Showing results for 
Search instead for 
Did you mean: 

Care Credit reporting

Established Member

Care Credit reporting



I paid a significant amount off of my Care Credit this month, which takes me from 82% utilization down to 5%.  I paid it about Feb 20th, and my statement cut on March 3rd.  I've been patiently waiting to see the change on my reports, but it hasn't shown up on Experian or Transunion. I saw it on Equifax about 6 days ago.  I have called and asked Care Credit if they definitely report to all three each month, and they assured me that they always do. 


Could they not have reported it to all three?  Could the 2 bureaus be slow for some reason?

Has this happened to anyone else?



Message 1 of 4
Valued Contributor

Re: Care Credit reporting

Yeah it could be the bureaus updating slowly. My TransUnion is usually the first to update leaving Equifax as the last to update. So give it time.

Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680

Take the myFICO Fitness Challenge


Get First Home in Summer 2025
Message 2 of 4
Frequent Contributor

Re: Care Credit reporting

I'm having the same issue, having received a huge CLI last month and eagerly anticipating a score jump this month.  My last Care Credit statement cut on 2/25 and TU and EX haven't updated yet.  EQ updated around 3/8, which is still a little later than usual.

Message 3 of 4
Super Contributor

Re: Care Credit reporting

Where are you accessing your reports OP?
-Community’s scoring wisdom: Scoring Primer.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.