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NFCU only reporting to 2 CBs

CashBackQueen
Frequent Contributor

NFCU only reporting to 2 CBs

I just realized that neither of my Navy Federal cards are reporting to Experian. They both report to TransUnion and Equifax regularly. Anyone else experience this? Is there a way I can get them to report to Experian too?

BK7 DC 1/2/18 • Progress as of 6/8/21:


TCL: $50,150 • UTIL: 1% • AZEO
Message 1 of 10
9 REPLIES 9
kilroy8
Super Contributor

Re: NFCU only reporting to 2 CBs

The only reporting requirement is that what they report is accurate. There is no obligation to report at all.

 

NFCU shows on all mine, sounds very unusual to me. I would call them or send a message.

Message 2 of 10
PicoFico
Frequent Contributor

Re: NFCU only reporting to 2 CBs


@kilroy8 wrote:

The only reporting requirement is that what they report is accurate. There is no obligation to report at all.

 

NFCU shows on all mine, sounds very unusual to me. I would call them or send a message.


Agreed.

 

I have 3 CC's, Loan, and CLOC all reporting to all 3.

What are you using to determine they aren't reporting?


Rebuild start: 5/15/19

Financial Institutions:
Wells Fargo | NFCU | Penfed
Products:
Cap One Platinum MC $800 | Discover It CB $2.1k | WF Propel $15k | PenFed PCR $20k | NFCU Platinum $10k | NFCU More Rewards $22k | NFCU Flagship $27k | NFCU CLOC $500 | NFCU SSL 60mo | NFCU Auto loan

Message 3 of 10
M_Smart007
Epic Contributor

Re: NFCU only reporting to 2 CBs

It is unusual. I would call Navy.

 

Right now Penfed PL is only reporting to (2) bureaus .. not that worried.

Will wait and see in the next few months.

Message 4 of 10
CashBackQueen
Frequent Contributor

Re: NFCU only reporting to 2 CBs

I'm using the Experian app.

 


@PicoFico wrote:

@kilroy8 wrote:

The only reporting requirement is that what they report is accurate. There is no obligation to report at all.

 

NFCU shows on all mine, sounds very unusual to me. I would call them or send a message.


Agreed.

 

I have 3 CC's, Loan, and CLOC all reporting to all 3.

What are you using to determine they aren't reporting?

BK7 DC 1/2/18 • Progress as of 6/8/21:


TCL: $50,150 • UTIL: 1% • AZEO
Message 5 of 10
blindambition
Community Leader
Senior Contributor

Re: NFCU only reporting to 2 CBs

Id certainly call Navy, but might also be a Experian issue.

Experian was always first in reporting for me. This year they were very delayed in reporting new DCU and Saver One.

Ive seen delayed balance reporting on DCU and Chase.

Message 6 of 10
dragontears
Valued Contributor

Re: NFCU only reporting to 2 CBs

I am leaning toward thinking there is issues with EX. This is not the first thread this month where EX was not updating (with different lenders) 

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 7 of 10
sjt
Senior Contributor

Re: NFCU only reporting to 2 CBs


@M_Smart007 wrote:

It is unusual. I would call Navy.

 

Right now Penfed PL is only reporting to (2) bureaus .. not that worried.

Will wait and see in the next few months.


This is the second month PenFed reporting is delayed on Experian. Usually it updated a day after Pen Fed reports with EQ and TU reporting a few days later. So Im wondering if its a Experian issue or a Pen Fed issue.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 8 of 10
CashBackQueen
Frequent Contributor

Re: NFCU only reporting to 2 CBs

I called NFCU, they said they do report monthly to all three bureaus so it's likely Experian. Guess I'll be calling them tomorrow Smiley Frustrated

BK7 DC 1/2/18 • Progress as of 6/8/21:


TCL: $50,150 • UTIL: 1% • AZEO
Message 9 of 10
sjt
Senior Contributor

Re: NFCU only reporting to 2 CBs

Keep us posted.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 10 of 10
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