Chase IHG Disappeared From my TU Report

Anonymous · ‎06-14-2016

When reviewing an updated report on CK, I noticed alert that showed my Chase IHG account information was completely removed from TU, but is currently activate on the chase site.

I went to a recent TU update from yesterday and sure enough my info was missing, only a date entry was showing for the card.

Anyone?

Anonymous · ‎06-14-2016

TU reporting is all over the map lately with disappearing inquiries and the like. I wouldn't worry about it.

Chaselover · ‎06-14-2016

@Anonymous wrote:
TU reporting is all over the map lately with disappearing inquiries and the like. I wouldn't worry about it.

+1

Yeah, no big deal.

In a committed relationship with Chase from 12/2012.
Age: 26, Income: $59,240/-, Current score: TU from CK: 750/A (12/24/14), TU Vantage score from CK: 775/C (12/24/14), Experian from Creditsesame: 717, Equifax from myfico: 724, Overall Util: 1% (12/24/14), Total credit limits: $62,150, In the garden from 12/19/2014, AAoA : 7 months, Oldest account: 8 months, Newest account: 1 week, HP: 18.

Anonymous · ‎06-14-2016

Thanks guys!

Crazy stuff...

RonM21 · ‎06-15-2016

Apparently, TU has all kind of issues right now. Oddly enough, I have yet to see anything weird on my reporting from them.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

RobertEG · ‎06-15-2016

Additionally, assuming the deletion with TU was intentional on the part of the creditor, credit reporting is purely voluntary.

Deletion avoids any further issues of any compliance with the FCRA, such as prompt updates when reported information changes.

Any decision to delete their reporting with a givne CRA is not relevant to the account itself.

Since it is apparently a revolving account, the primary statutory obligation is that of the FCBA, which mandates monthly billing provided there is a balance on the account.

If unsure as to whether they actually reported deletion to the CRA, I would call the creditor.

Revelate · ‎06-15-2016

@RobertEG wrote:
Additionally, assuming the deletion with TU was intentional on the part of the creditor, credit reporting is purely voluntary.
Deletion avoids any further issues of any compliance with the FCRA, such as prompt updates when reported information changes.

Any decision to delete their reporting with a givne CRA is not relevant to the account itself.
Since it is apparently a revolving account, the primary statutory obligation is that of the FCBA, which mandates monthly billing provided there is a balance on the account.

If unsure as to whether they actually reported deletion to the CRA, I would call the creditor.

This is Chase we're talking about . Almost assuredly the contract they have with TU includes their reporting customer data. Also if there's any information at all about the tradeline which sounds like there is, it wasn't airstruck just something got busted.

OP it'll almost assuredly be fixed the next reporting cycle. Don't sweat it, something got munged on the update which does occasionally happen; if it stays broken for another two months or whatever I'd call Chase but it won't be a quick resolution so I wouldn't potentially waste my time now.