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Syncb/Lowes not reporting to Experian

Contributor

Syncb/Lowes not reporting to Experian

Hello Everyone!

 

My lowest score is Experian(661) and I believe the reason why its not up there with Equifax and Transunion is because Syncb/Lowes is not reporting to them. I am an authorized user for the Lowes card and we have called various times to get this fixed. I called Experian and they told me that they are not reporting me on there. And when we call Synchrony they state that they are after they submitted a dispute. I just don't understand how hey can report to 2 bureaus and not the one? Any ideas on how I can get this fixed anyone? It drives me nuts with this back and forth thing with them 2 pointing the finger! Smiley Mad

 

Any advice is appreciated Smiley Happy

Amazon Prime Signature - CL $4000
Walmart Store Card - $5000
Discover It - CL $4700
Macys Red Card - $13000
Lowes Advantage - CL $27000
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Message 1 of 4
3 REPLIES 3
Community Leader
Super Contributor

Re: Syncb/Lowes not reporting to Experian

I didn’t know a lender was legally mandated or even obligated to report to a credit bureau. I thought it was their option.

But miss a payment, and they will break the speed limit to report you.

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 2 of 4
Contributor

Re: Syncb/Lowes not reporting to Experian


@CreditInspired wrote:
I didn’t know a lender was legally mandated or even obligated to report to a credit bureau. I thought it was their option.

But miss a payment, and they will break the speed limit to report you.

I'm sure if I defaulted it would magically show up Smiley Frustrated

Amazon Prime Signature - CL $4000
Walmart Store Card - $5000
Discover It - CL $4700
Macys Red Card - $13000
Lowes Advantage - CL $27000
Chase Freedom Unlimited




Message 3 of 4
New Contributor

Re: Syncb/Lowes not reporting to Experian

Creditors are not required to report to any reporting agency. Its considered the A Hole thing to do for indivudals that are attempting to better their lifes, or seek more credit. I personally deal with this on my credit union as they report to Equifax more than Transunion ( probably some contract involved there).

 

 

Message 4 of 4
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