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Help! NFCU AUTO loan not reporting to equifax

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Swmjason
Established Member

Help! NFCU AUTO loan not reporting to equifax

Is NFCU supposed to report to equifax? If so, what can I do? Thank you all in advance for your advice!
Starting Score: 600
Current Score: 705
Goal Score: 750


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Message 1 of 6
5 REPLIES 5
GatoradeZeroGuy
Valued Contributor

Re: Help! NFCU AUTO loan not reporting to equifax


@Swmjason wrote:
Is NFCU supposed to report to equifax? If so, what can I do? Thank you all in advance for your advice!

How long has it been? 

 

Ask them why they aren't reporting?

Starting FICO 8:

Current FICO 8:

1/6, 5/12, 12/24




Message 2 of 6
fury1995
Valued Contributor

Re: Help! NFCU AUTO loan not reporting to equifax

This is the one you mentioned in a prior post that has been open for 7 months, correct?

Is it reporting correctly on EX and TU?
August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

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Message 3 of 6
Swmjason
Established Member

Re: Help! NFCU AUTO loan not reporting to equifax

Auto loan 7 mths correctly reported to TU & EXP.
Starting Score: 600
Current Score: 705
Goal Score: 750


Take the myFICO Fitness Challenge
Message 4 of 6
SouthJamaica
Mega Contributor

Re: Help! NFCU AUTO loan not reporting to equifax


@Swmjason wrote:
Auto loan 7 mths correctly reported to TU & EXP.

You should call NFCU and bring it to their attention.

 

Yes of course they report to EQ.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 5 of 6
UncleB
Credit Mentor

Re: Help! NFCU AUTO loan not reporting to equifax

I've had this issue a few times before and it was due to a split credit file.

 

If you haven't already, request your file directly from Equifax (not Credit Karma, etc.)... if you have a split file, you'll receive both of them.  If this is the issue you'll have to call Equifax and request for them to be merged.

 

I've had this problem a few times over the years with EQ, and just last year with TU.  For what it's worth, it was always easy to resolve with EQ, not so much with TU (the front-line TU reps were totally confused about the concept of a split file, while EQ reps always knew what I was talking about).

Message 6 of 6
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