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!
Any advice is appreciated
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
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).