Chase CC not reporting to any CRAs... 10+ years of on-time payments. 50% utilization.

[Anonymous]

Bellevue WA. OK then, your'e competing against Microsoft and Amazon employees for housing. Ok then if your potential landlords want a 700 then I think that Chase card might be a landmine you don't want to step on. I think that 10 year perfect history will be nuked by the 50% utilization. Can you get it paid down to 8%? Then call Chase and find out why its not reporting. There must be some information they have that's slightly off.

Some other score bump methods are:

• 3 cards and 1 loan. You already have at least one loan.
• AZEO. You can search to get more details but it is basically have all your cards report zero balance except one. That one card should report a small balance (below 8.9%). You will get a score bump for using this method. 

[CreditInspired]

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@Anonymous wrote:

Hey all, 

I am in the process of rebuilding my credit, and I'm in kind of a unique spot. I have a 10 year old Chase CC tradeline that isn't reporting to any agencies. Has been open for 10 years, perfect repayment history, and is sitting at about 50% utilization. 

My CR only shows 3 open tradelines... (a CC with 1% utilization, and 2 auto leases). 

All of the score simulators seem to be showing that I'm being penalized for having few tradelines, average age of accounts (2 years) and low credit limit.

TransUnion is currently sitting at 689, and I really want to break 700 ASAP because I am trying to rent a new house... wondering if I should try to get the credit line added to my report, or if I'm risking a score drop because of the utilization... 

Any advice?  

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I’ve read your responses to others questions and IDK something just seems off with your score. I suggest going to www.annualcreditreport.com and get all 3 of your free credit reports and go over them with a fine-tooth comb. 10 years is a pretty long time to not realize a CC wasn’t reporting. So, it is definitely possible that there may be some negatives and/or inaccuracies reporting that need to be corrected and/or disputed, etc.