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Experian not updating an account but other two bureaus have?

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Anonymous
Not applicable

Re: Capital One not updating usage


@Mischa wrote:

My QS, which closed on the 21st, was updated to TU on the 24th. Nothing for EX yet though. I do think it might be a EX issue rather than Cap One from what I've been reading. 


Today I talked to Experian, they blamed Cap1... I also talked to Cap1, they blamed Experian. Smiley Frustrated

Message 21 of 49
Ficoproblems247
Valued Contributor

Re: Capital One not updating usage


@Anonymous wrote:

@Mischa wrote:

My QS, which closed on the 21st, was updated to TU on the 24th. Nothing for EX yet though. I do think it might be a EX issue rather than Cap One from what I've been reading. 


Today I talked to Experian, they blamed Cap1... I also talked to Cap1, they blamed Experian. Smiley Frustrated


@Anonymous LOL! I would not expect anything less from either one of them. 😂





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 22 of 49
babygirl1256
Senior Contributor

Re: Capital One not reporting to Experian

@RTOrockstar My new AmEx card from 3/21/2021 just reported on 5/24/2021. When I called EX, I was told that there were multiple factors for the delay . . . So I gave it a little time and it finally posted!

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 23 of 49
babygirl1256
Senior Contributor

Re: Capital One not updating usage

@Billharrell I think it's well worth it to nicely request an update . . . it probably would be better to pay the balance down somewhat before applying for the Chase Amazon Visa. Wishing you success in getting the card!!!

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 24 of 49
Jervo007
New Contributor

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

Oh hello update!

 

12 point bump! 

 

 

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 25 of 49
babygirl1256
Senior Contributor

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

@Jervo007 Congrats on the 12-point increase!!!

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 26 of 49
Jervo007
New Contributor

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

@babygirl1256 Thanks so much! 756! I am floored. Never thought I'd get this far. Pretty happy. Oh and our Rose Gold Amex cards showed up today. Didn't think I'd be 100% on board, but love the look over the gold. 

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 27 of 49
babygirl1256
Senior Contributor

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

@Jervo007 That's awesome . . . congrats on the 756 . . . I feel so good about my credit rebuild so I fully understand. I am trying to hold off to see if AmEx will send me a pre-approval invitation for the Marriott Bonvoy Brilliant . . . I will either apply to AmEx or Chase because I plan to start traveling again and I have always had Marriott Elite Status. 

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 28 of 49
Ficoproblems247
Valued Contributor

Re: Capital One not reporting to Experian


@babygirl1256 wrote:

@RTOrockstar My new AmEx card from 3/21/2021 just reported on 5/24/2021. When I called EX, I was told that there were multiple factors for the delay . . . So I gave it a little time and it finally posted!


American Express does not report new accounts until the 2nd billing cycle, so that is completely normal for that situation. 





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 29 of 49
babygirl1256
Senior Contributor

Re: Capital One not reporting to Experian

@Ficoproblems247 Thanks . . . good to know.

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 30 of 49
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