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Experian not updating an account but other two bureaus have?

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phoenix12
Valued Member

Experian not updating an account but other two bureaus have?

I have a Capital One card and they told me that they sent a report to all three bureaus on the 20th of May. I saw the updated 0 balance on Transunion and Equifax but as of today, I still do not see it updated on Experian. It has reported before on time, and I find it strange that this month is different. Any advice? 

Message 1 of 49
48 REPLIES 48
AllZero
Mega Contributor

Re: Experian not updating an account but other two bureaus have?

It's not just you. Experian used to be the first bureau to report. Now they seem to have slowed down for whatever reason. Just be patient. It'll eventually report.
Message 2 of 49
phoenix12
Valued Member

Re: Experian not updating an account but other two bureaus have?

Glad to see others are having issues. I knew something wasn't right haha. 

Message 3 of 49
Anonymous
Not applicable

Re: Experian not updating an account but other two bureaus have?


@phoenix12 wrote:

Glad to see others are having issues. I knew something wasn't right haha. 


I'm also waiting on Experian to update my two Cap 1 cards from the 15th. Something's going on over there. Hopefully they're also dragging their feet on the dispute I sent them earlier in the month for something else.

Message 4 of 49
tparks5961
Regular Contributor

Re: Experian not updating an account but other two bureaus have?

Yeah, I have a BBT credit card account that should have updated 3/20.. It skipped an entire cycle and updated 5/20..

Last Inquiry 12/23/2022 Ally Bank Mortgage
Fico Score Progression: 10/1/2018 EQ 530 TU 535 EX 540 | 1/10/2023 EQ 785 TU 789 EX 787
Message 5 of 49
babygirl1256
Senior Contributor

Re: Experian not updating an account but other two bureaus have?

@phoenix12 Welcome to the forum . . . Last week when I spoke to Experian's Supervisor of Special Handling, she said they were still working remotely due to the pandemic in addition to training a large number of new hires. My NFCU information wasn't updating but as of Sunday, 5/23/2021, it's now reporting. I'd say, just give them a little time!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 6 of 49
Jervo007
New Contributor

Re: Experian not updating an account but other two bureaus have?

Yup  -  same boat here. My cap 1 hasnt updated since 4/15 so I've been waiting too. Once the new balance of <2%  reports, that should push me over 750. I keep checking and it's getting pretty unhealthy. lolz! 

Amex Gold | Amex BCP | Amex BBP | Discover Cash Back | Citi Costco Anywhere | Chase Sapphire Preferred | Chase Ink Business Cash | Capital One QS
EX8: 774 | TU8: 744 | EQ8: 744 | Fico 9: 792
Message 7 of 49
Anonymous
Not applicable

Re: Experian not updating an account but other two bureaus have?

My NFCU accts are slow to update to EX, my Discover however is super quick. Yesterday was my Discover closing date and it's updated on EX already as of this morning. 

Message 8 of 49
Ficoproblems247
Valued Contributor

Re: Experian not updating an account but other two bureaus have?

I'll chime in too. Same here, just like @AllZero said, EX always used to be the golden boy of reporting. Almost all of my cards would be updated the next day after the statement cut, or 2 at the latest. Some of my cards are still updating quickly, but just like you my Cap1 cards are now very delayed. The last few months they have taken 10-14 days to update even though EQ has updated them within 2 days and TU within their usual 4 or so. Hopefully they will get on this and correct the issue. While it isn't the end of the world, its annoying if you're planning an app and you have to wait on a process that should be 100% automated to update simple data before you can pull the trigger. 





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 9 of 49
Billharrell
Regular Contributor

Capital One not updating usage

I'm in the process of paying down all of my cc debt in advance of an app for my white whale: the Chase Amazon Visa. I have all of my (11) card balances down to nothing except my quicksilver, which last updated to the bureaus in early April, pretty much maxed out. Its been over six weeks and still showing that 90% usage.

 

My ficos are currently sitting in the 750-775 range, no derogitories, I'm 2/24, 4.5yrs aaoa, no relationship with chase. Should I pull the trigger or lie in wait? Any way to request cap1 update my usage? Disputing it with the bureaus sounds like a pain.

 

Thanks in advance.


2/18 FICO 8's:
EX(692): 3.1yrs, 8 inq.
TU(654): 0.3yrs, 3 inq.
EQ(683): 3.1yrs, 3 inq.
Utilization: 50%

Wall of Shame (recent denials/wish list):

Message 10 of 49
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