Do Credit Card Companies Make a Profile About You?

[10022016]

Like "Deadbeat." Or things that credit reports don't state?

[Medic981]

I believe that would be an internal credit score used only by the specific CCC. We all know that Amex and Chase will blacklist consumers for past account delinquencies. 

[Anonymous]

Certainly a CCC is likely to have a profile based on its own experience with the customer.  Lots of things could be in it that are not in your EQ/TU/EX report:

How profitable has this customer to us been to us in the last few years?  (How much money do we make off of him.)

Has the customer ever been a few days late on his payment?  If so, how often?

Has the customer been argumentative or otherwise difficult with our customer service department?

Has the customer ever had derogs with us (lates, collections, chargeoffs, etc.) that are older than 7 years?

Etc.

[Anonymous]

I agree with CGID.  I'm also quite sure that they all keep track of any correspondence you have with them, be it notes from phone conversations, letters, emails, etc.  Sometimes they'll "check the notes" on your account for example when you call about an ongoing issue.  I've run into this a lot from the GW Saturation Technique, having sent literally 100-200 letters to a creditor in attempt to remove negative information.  It's clear from some of the pushback received that they are well aware of the many attempts prior. 

[RonM21]

I'm with the above posters as well. Lender specific, I they can have their own ways and methods to track each profile for a variety of things that they deem important to them. Of course, how they use this info can be anyone's guess. But I'd be surprised if the majority of lenders did not do this in their own way to some degree.

[RobertEG]

Additionally, while credit report exclusion of derogs from your credit report thereafter prevents creditor A from seeing an excluded derog that occured with a creditor B, credit report exclusion does not remove creditor A's records of past consumer performance on their own accounts and does not prevent creditor A from still considering prior information obtained on accounts of other creditors..

Thus, excluded derogs can be removed from scoring, but not from memory of the creditor with whom they occured.

Finally, some of the larger creditors use their own credit scorecards in addition to viewing commercial scores, such as FICO, and also might retain and use data not retained by CRAs, such as age and income.

[DaveInAZ]

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@Anonymous wrote:

Certainly a CCC is likely to have a profile based on its own experience with the customer.  Lots of things could be in it that are not in your EQ/TU/EX report:

How profitable has this customer to us been to us in the last few years?  (How much money do we make off of him.)

Has the customer ever been a few days late on his payment?  If so, how often?

Has the customer been argumentative or otherwise difficult with our customer service department?

Has the customer ever had derogs with us (lates, collections, chargeoffs, etc.) that are older than 7 years?

Etc.

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I'll bet they keep notes in that one that I highlighted in red. I'm always very polite & respectful to customer service reps. That's my nature, but having worked in hotel & restaurant management I know you're much more likely to get what you want by being nice & polite. And even in hotel management the computer system has a feature to store notes on the customer. When I worked at a Caribbean resort a lady came in complaining about how "horrible" her room was. So I brought up her record I saw in the notes "Warning! This lady always books the cheapest room & complains until you upgrade her!". So nope, I told her the room she had was what she had booked. I had to repeat that about 10 times until she left in a sullen mood.

[Anonymous]

I'm with you on that, Dave.  I'm in restaurant management as well.  We put notations in the POS for take out guests that notoriously are just looking for a free meal.  When they place another order the flag goes up and the employee and/or management can act accordingly.

[Anonymous]

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@Anonymous wrote:

I'm with you on that, Dave.  I'm in restaurant management as well.  We put notations in the POS for take out guests that notoriously are just looking for a free meal.  When they place another order the flag goes up and the employee and/or management can act accordingly.

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Extra special ingredients?

[MakingProgress]

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@RobertEG wrote:

Additionally, while credit report exclusion of derogs from your credit report thereafter prevents creditor A from seeing an excluded derog that occured with a creditor B, credit report exclusion does not remove creditor A's records of past consumer performance on their own accounts and does not prevent creditor A from still considering prior information obtained on accounts of other creditors..

Thus, excluded derogs can be removed from scoring, but not from memory of the creditor with whom they occured.

Finally, some of the larger creditors use their own credit scorecards in addition to viewing commercial scores, such as FICO, and also might retain and use data not retained by CRAs, such as age and income.

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Theoretically creditor A preforms soft pulls from the CRA on a regular basis.   In one of those soft pulls they see that I have a 30 day late with creditor B.   Could they then enter a notation about that late payment into their own internal profile of me and then know about my late payment to creditor B after the reporting exclusion date?