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Victoria Secret reporting question


Victoria Secret reporting question

Good morning,


I opened a victoria secret card with the shopping card trick a couple years ago.  I used it once and paid it off within a couple months.  I haven't done anything with it other than request a credit limit increase to help my utilization.  


According to my reports, this card stopped updating in February of 2015.  It still shows as an open account and pays as agreed but not updating payment history each month.  


I guess that makes sense since I haven't used it, however does that have any effect on scores?  Is it better if they report good payment history every month?


If I bought something and paid it would they backdate the payment history for each month since Feb 2015?

Message 1 of 5
Not applicable

Re: Victoria Secret reporting question

They backdated hubby's card for the 2 months that it wasn't used. Don't know if it'd get backdated for you but I'd imagine so
Message 2 of 5
Legendary Contributor

Re: Victoria Secret reporting question

When a creditor does their monthly reporting, the payment history profile is reported under the Metro 2 format as one continuous line of numbers, such as:

An example reporting would be a string such as:


Each month from current backwards is represented, with differing codes for each month indicating whether currrent, current with zero balance, delinquent and level, no history avaialble or reported, etc.


In their next reporting, they could go back and fill data not previously provided, or they could simply add the new month to the left.

It is entirely dependent upon the degree to which they modify their prior reporting, with the easier way to simply add the next month, and leave the prior reporting as it was.

Message 3 of 5
Frequent Contributor

Re: Victoria Secret reporting question

Most credit card companies backdate payment information when you start using the card again. I had a credit card that I wasn't using much once, and I did see a mild boost in my scores when I started using it again. 

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Message 4 of 5
Valued Contributor

Re: Victoria Secret reporting question

Interesting. I thought I read somwwhere that after a card isn't used for a certain period of time, there can be some sort of effect on how it factors in to the scoring.

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Message 5 of 5
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