This is why I hate Credit

[nosup4u]

Thanks @Anonymous CAFCU updated last night now waiting on DCU 

[Anonymous]

@nosup4u it seems like the bureaus are updating very slowly for some.

I have been waiting for my SO's SLs to report and they report at the end of the month. Last Friday they reported to TU, today EX, and *still* waiting for EQ to update!

The update date shows 3/31 for TU and EX (finally) and still 2/28 for EQ (as of today).

I am not sure why, but updates are just running very slowly for some. My SLs for the exact same servicer as my SO update nearly a week before my SO's this month.

[iLiveCredit]

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@nosup4u wrote:

So why is it when I trying to pay down all my debt or at least down to 25% Experian who is usually the first to report balance changes wont update like 5 accounts when TU and EQ have already done so.  This Crap happens every single time I pay down my debt one CRA drags that goalith feet on reporting.  Im trying to get some CLI and maybe a new card or two and apply for a car loan only to be stimied by this nonsence 

Im waitign on DCU and CAFCU to report which happens at the end of the month but ehre we on 12 days into the month and nothing and last month they reported around the 8th to 10th does this happen to anyone else?

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You are not alone. Same happened to me. This is the second time that this has happened to me. First time was about 10 years ago. Let's say I had 20 open accounts and 10 of them had missed one or two months ONLY after I had paid $5,000.00 across the accounts with balances.

Fast forward, to two months ago, I paid $3,000.00 across several accounts and BAM! Same thing–'Data Unavailable'/with a blank and grayed status.

Predatory lender or not—several accounts are delayed! 

... and then I remembered the highlighted. Let the waiting continue 🥴:

***Creditors and CRAs

[nosup4u]

What they want is for you to put money back on the card so it shows a balance and keeps your scores where they are the man trying to keep you down LOL 

[iLiveCredit]

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@nosup4u wrote:

What they want is for you to put money back on the card so it shows a balance and keeps your scores where they are the man trying to keep you down LOL 

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Exactly! 

I feel his pain! I'm waiting for the reporting because I want to begin the process of purchasing a home. Stay strong and no matter how convenient, don't spend and keep paying down—because this is also when they like to start switching up reporting dates. 

A dirty game indeed. 😒

[FinStar]

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@iLiveCredit wrote:

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@nosup4u wrote:

So why is it when I trying to pay down all my debt or at least down to 25% Experian who is usually the first to report balance changes wont update like 5 accounts when TU and EQ have already done so.  This Crap happens every single time I pay down my debt one CRA drags that goalith feet on reporting.  Im trying to get some CLI and maybe a new card or two and apply for a car loan only to be stimied by this nonsence 

Im waitign on DCU and CAFCU to report which happens at the end of the month but ehre we on 12 days into the month and nothing and last month they reported around the 8th to 10th does this happen to anyone else?

---

You are not alone. Same happened to me. This is the second time that this has happened to me. First time was about 10 years ago. Let's say I had 20 open accounts and 10 of them had missed one or two months ONLY after I had paid $5,000.00 across the accounts with balances.

Fast forward, to two months ago, I paid $3,000.00 across several accounts and BAM! Same thing–'Data Unavailable'/with a blank and grayed status.

Predatory lender or not—several accounts are delayed! 

... and then I remembered the highlighted. Let the waiting continue 🥴:

***Creditors and CRAs

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Is there factual proof of this statement? Other than they allegedly claim they "don't know" or have any supportve evidence on their "suspicion" or speculative opinion.

[babygirl1256]

@nosup4u Don't hate credit because most of us probably have experienced the same thing. In fact, on Tuesday 5/11/2021, I had to call Experian's Special Services Department and report one "positive" 8-year account that was inadvertently purged before the 10-year period and was told it should be reinstated by Friday, 5/14/2021. I have never had any success at all calling the overseas staff and about 2 years ago, I was fed-up and E-mailed the CEO. Someone from the Special Services Department contacted me and my account is somehow noted that I contacted an executive with a complaint. I was given super service and will call or E-mail when I have an issue . . . messaging you the number.

[Anonymous]

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@babygirl1256 wrote:

@nosup4u Don't hate credit because most of us probably have experienced the same thing. In fact, on Tuesday 5/11/2021, I had to call Experian's Special Services Department and report one "positive" 8-year account that was inadvertently purged before the 10-year period and was told it should be reinstated by Friday, 5/14/2021. I have never had any success at all calling the overseas staff and about 2 years ago, I was fed-up and E-mailed the CEO. Someone from the Special Services Department contacted me and my account is somehow noted that I contacted an executive with a complaint. I was given super service and will call or E-mail when I have an issue . . . messaging you the number.

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I hope the account gets reinstated, but keep expectations a little low. There is no hard-fast rule that positive, closed accounts must remain on your CRs for 10 years. For some they dissappear shortly after closing (not common) and for others, they stay many, many years past the 10 yr mark. It is generally 10 years, but usually once they are gone, they are gone.

Now if it is still an open account, then disregard and they should hopefully place it back on soon.

Good luck and I am keeping my fingers crossed that it gets placed back on, no matter the situation.

[babygirl1256]

@Anonymous Thanks so much . . . if it's not added back on my report; I'm ok with it as they deleted the CO and that was much more important to me. When I request CLIs in June 2021 the granted ones should raise my EX 734 score . . . at least I hope so!!!

[AzCreditGuy]

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@nosup4u wrote:

I use My fico,Experian, credit karma, and some others point being I check experian everyday as I'm a member as this happens all the time with Ex its so corrupt its not even funny 

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I've had a delay with EX also, but I dont check my credit everyday. I know the balance is lower than whats being reported when I was paying down my debt and just let it go. The caveat of credit is, you get penalized for carrying debt and also for not carrying debt. We each have experiences with the big 3 and to me TU is the most corrupt...