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Experian not updating an account but other two bureaus have?

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RTOrockstar
Frequent Contributor

Capital One not reporting to Experian

I got notification on May 17th that, according to Credit Karma, my new Capital One Walmart Rewards card was reported on Equifax and Trans union. I was approved for the card in March and this was my second statement cycle. 

This morning I checked my Experian score on the Experian app and my score took a 19pt ding because it says my util is at 0%. My Capital One card is still not reporting on Experian. Anyone know why that might be? Is this normal? 

Message 11 of 49
Anonymous
Not applicable

Re: Capital One not updating usage


@Billharrell wrote:

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.


Are you talking about Experian specifically? There seems to be an isue with Cap1 and Experian. Here's the thread that's discussing it.

 

https://ficoforums.myfico.com/t5/General-Credit-Topics/Experian-not-updating-an-account-but-other-tw...

Message 12 of 49
jcooks
Established Contributor

Re: Capital One not updating usage

That's very ironic.  I'm waiting for Cap One to start showing my balance.  I got caught with AZ penalty.  I had all cards at 0 balance, was just strictly using my Chase.  Mid statement, I paid the Chase off completely and they reported it.  Score dropped 20 points because of this.  One of my Cap One cards closed with $50 on May 14th.  It still hasn't reported to any CRA's.  I just pulled my weekly reports yesterday.

Message 13 of 49
Billharrell
Regular Contributor

Re: Capital One not updating usage

Yes, it's definately experian. I haven't checked the other two because i only get them once-a-month with my experian subscription. Might check them now though...

 

Thanks


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 14 of 49
Billharrell
Regular Contributor

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

Add my name to the list, my QS hasn't updated since 4/15. I've azeo'd in advance of an app but that balance just won't cooperate. Does Chase pull experian?


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 15 of 49
babygirl1256
Senior Contributor

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

@Billharrell Yes, Chase pulls Experian and that's why I was working so hard to get my EX file "clean".

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 16 of 49
Ficoproblems247
Valued Contributor

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


@Billharrell wrote:

Add my name to the list, my QS hasn't updated since 4/15. I've azeo'd in advance of an app but that balance just won't cooperate. Does Chase pull experian?


@Billharrell Chase can pull any of the 3, and often a combination of two. 





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 17 of 49
Ficoproblems247
Valued Contributor

Re: Capital One not reporting to Experian

There is another recent thread about this that you can read here.

 

It seems this is becoming a common current issue for them. 





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 18 of 49
Mr_Mojo_Risin
Senior Contributor

Re: Capital One not reporting to Experian

A lot of members here have noticed that EX has been slow to report over the last couple of months. 

Something different is going on over there, hopefully they get it worked out soon.

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 19 of 49
Mischa
Contributor

Re: Capital One not updating usage

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. 

Message 20 of 49
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