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Chase IHG Disappeared From my TU Report

BillyBob2
Frequent Contributor

Chase IHG Disappeared From my TU Report

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?

Amex (Plat., Delta gold, BCP, Lowes, SC,BRG) Sync. (Sams MC, Walmart MC, eBates, Marvel, Care)
Chase (CSR, AARP, United) Capital One (Venture) NFCU (CLOC, GO, Cash rewards)
Wells Fargo (Rewards, Platinum) Citi (DP, Costco, TY) Barclay (Ring) Discover x 2 (IT) BOA (Visa Rewards)
Blispay (Rewards) Alliant (Cash Sig.) PenFed (Promise, Rewards, LOC)
USAA (Platinum, Rewards) PayPal (Credit) VCU (MC, LOC), TD (Cash)
Store Cards (Amazon, Lowes, Home Depot, Nordstrom, Macy’s AM)
Utilization 6% | AAOA 2 yrs| FICO (08) - TU 739 - EX 709 - EQ 697 - FICO (09) EX 714 - EQ 723 - Garden since 4/22/18
Message 1 of 7
6 REPLIES 6
jtfan80
Frequent Contributor

Re: Chase IHG Disappeared From my TU Report

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

TU 792 3/5/16 - 6 inquires
EQ 829 (Bankcard 08, score out of 900) 2/21/16 - 3 inquiries
EX 807 2/25/16 - 3 inquires

Discover IT 46K == Amex BCE 24K == Citi Double 20.9K == Chase Freedom 3.5K == Ring 22k == USAA Rate Advantage (8.4%) 17K == US Bank Cash+ 7.5K == BOA BBR 8K
Message 2 of 7
Chaselover
Frequent Contributor

Re: Chase IHG Disappeared From my TU Report


@jtfan80 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.
Message 3 of 7
BillyBob2
Frequent Contributor

Re: Chase IHG Disappeared From my TU Report

Thanks guys! 

 

Crazy stuff...

Amex (Plat., Delta gold, BCP, Lowes, SC,BRG) Sync. (Sams MC, Walmart MC, eBates, Marvel, Care)
Chase (CSR, AARP, United) Capital One (Venture) NFCU (CLOC, GO, Cash rewards)
Wells Fargo (Rewards, Platinum) Citi (DP, Costco, TY) Barclay (Ring) Discover x 2 (IT) BOA (Visa Rewards)
Blispay (Rewards) Alliant (Cash Sig.) PenFed (Promise, Rewards, LOC)
USAA (Platinum, Rewards) PayPal (Credit) VCU (MC, LOC), TD (Cash)
Store Cards (Amazon, Lowes, Home Depot, Nordstrom, Macy’s AM)
Utilization 6% | AAOA 2 yrs| FICO (08) - TU 739 - EX 709 - EQ 697 - FICO (09) EX 714 - EQ 723 - Garden since 4/22/18
Message 4 of 7
RonM21
Valued Contributor

Re: Chase IHG Disappeared From my TU Report

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

TCL: $306,100Utiliz: 6%AAoA: 5yrs 2mOther: Lease, Loan, *No MortgageCollections-Lates-BK's: 0

LWS-35k | BOA-50k | AMX-32.4k | DISC-33.6k | ALNT-25k | NFCU-33k | BARC-15k | BBUY-12k | CSE-10k | CP1-10k | CITI-11.7k | PF-38.4k


Message 5 of 7
RobertEG
Legendary Contributor

Re: Chase IHG Disappeared From my TU Report

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.

Message 6 of 7
Revelate
Moderator Emeritus

Re: Chase IHG Disappeared From my TU Report


@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 Smiley Happy.  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.




        
Message 7 of 7
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