IMPRINT Terrible credit reporting Amex Rakuten

[zerofire]

I do not understand the issue. Lenders are not required to report to every bureau. Imprint likes to only report to Experian and TransUnion. As for reporting they only have to do it in a reasonable amount of time not to exceed 60 days. This is because it takes 60 days to do the dispute investigation. There is no point in disputing something that you know will update before the process completes.

[911gt34life]

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@zerofire wrote:

I do not understand the issue. Lenders are not required to report to every bureau. Imprint likes to only report to Experian and TransUnion. As for reporting they only have to do it in a reasonable amount of time not to exceed 60 days. This is because it takes 60 days to do the dispute investigation. There is no point in disputing something that you know will update before the process completes.

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it has been more than 60 days with no account update ...   

[zerofire]

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@911gt34life wrote:

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@zerofire wrote:

I do not understand the issue. Lenders are not required to report to every bureau. Imprint likes to only report to Experian and TransUnion. As for reporting they only have to do it in a reasonable amount of time not to exceed 60 days. This is because it takes 60 days to do the dispute investigation. There is no point in disputing something that you know will update before the process completes.

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it has been more than 60 days with no account update ...   

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Remember February is 28 days. Also January is loaded with holidays. I would not be concerned unless an update does not get entered by the end of March. How wrong is the current status compared to what is on the record?

[zerofire]

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@911gt34life wrote:

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@zerofire wrote:

I do not understand the issue. Lenders are not required to report to every bureau. Imprint likes to only report to Experian and TransUnion. As for reporting they only have to do it in a reasonable amount of time not to exceed 60 days. This is because it takes 60 days to do the dispute investigation. There is no point in disputing something that you know will update before the process completes.

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it has been more than 60 days with no account update ...   

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Remember February is 28 days. Also January is loaded with holidays. I would not be concerned unless an update does not get entered by the end of March. How wrong is the current status compared to what is on the record?

[911gt34life]

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@zerofire wrote:

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@911gt34life wrote:

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@zerofire wrote:

I do not understand the issue. Lenders are not required to report to every bureau. Imprint likes to only report to Experian and TransUnion. As for reporting they only have to do it in a reasonable amount of time not to exceed 60 days. This is because it takes 60 days to do the dispute investigation. There is no point in disputing something that you know will update before the process completes.

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it has been more than 60 days with no account update ...   

---

Remember February is 28 days. Also January is loaded with holidays. I would not be concerned unless an update does not get entered by the end of March. How wrong is the current status compared to what is on the record?

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The Last update was 

january 1 2026...  

wait end this month see if show up 

[GhostPrototype]

Imprint decided to finally report my Rakuten card to EQ this month... but they reported the same balance from January that's still appearing at TU and EX. 

[jj10939]

I'm having the same issue. They haven't sent a credit bureau update since January. Their customer service is absolutely horrendous. I have called multiple times and the agents (and supervisors) just do not get what I'm asking. 

Did you get anywhere with your CFPB complaint? Can't wait to close this card as soon as the welcome bonus hits my bank account. Definitely not worth the hassle. 

[pip3man]

It's now April and my balance from December has still not been updated with the credit bureaus. Also my Rakuten card just reported to Equifax and sure enough with the same balance from Dec. Saying that I'm pissed off is an understatement.

[911gt34life]

nearly 100 days without updating the bureaus this is insane ... 

I will end up closing this account ..

all my credit card report every 30 days, but this one crazy ....

[jj10939]

I disputed the information with the CRAs. TU and EQ came back saying the information is valid despite me providing a detailed explanation of the issue and a copy of my statement. EX is still underway. 

It's like the blind leading the blind out there. Really seems like such a simple thing to correct, but I guess not.