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Walmart card not updating on Transunion

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Anonymous
Not applicable

Synchrony / Lowes, no TU updates in 3 months. What gives?

I just refreshed my 3B.

I had a balance with Lowes, paid at the end of June. It showed on all 3 CRB's.

EQ & EX show zero balance.

EQ reported in July, but ont August. Shows zero balance.

EX reported in July and August. Shows zero balance.

TU has not been reported since June, and of course shows a balance.

Called them a few days ago & was told they would update it. Would take no more than 8 hours.

It's still there.

Yes, I realize the 3B doesn't update until I use one of my remaining available reports, but I should get a Fico 8 Alert like I do everytime something reports. Anyone else ever have this? Does it autoresolve? 3 months is quite a while to report a balance when it should be zero.

Message 11 of 30
Anonymous
Not applicable

Re: Walmart card not updating on Transunion

I just posted another similiar thread. Synchrony / Lowes not updated on TU since June. Disco, my car, and all the rest have updated all 3.

Message 12 of 30
Anonymous
Not applicable

Re: Synchrony / Lowes, no TU updates in 3 months. What gives?

What if you look on a free CMS that covers TU (Credit Karma, WalletHub, Credit Sesame, take your pic) and you look at that account.  Does it show you no update since June, or do you see updates elsewhere? 

 

It would be good to see if it's a MF-related issue or if it's a global issue with that account simply not reporting.

Message 13 of 30
Anonymous
Not applicable

Re: Synchrony / Lowes, no TU updates in 3 months. What gives?


@Anonymous wrote:

What if you look on a free CMS that covers TU (Credit Karma, WalletHub, Credit Sesame, take your pic) and you look at that account.  Does it show you no update since June, or do you see updates elsewhere? 

 

It would be good to see if it's a MF-related issue or if it's a global issue with that account simply not reporting.


Credit Karma shows it still there on TU. Just refreshed it. I don't think it's MF related. Seems like Synchrony has dropped the ball. Others are reporting TU just fine, especially my zero balance car loan which dinged me 40 pts across the board.

Message 14 of 30
BallBounces
Valued Contributor

Re: Walmart card not updating on Transunion

At the risk of engaging in positive confirmation bias,  TU / Synch combination this month has not happened for me either.  One example is my new Marvel tradeline that showedup on EX immediately, EQ a day later, and TU not at all weeks later. 

 

I m not concerned and may be conflating unrelated issues, but it would not surprise me if there is wonkiness with Sync/TU file updates recently.

 

FICO 8 Scores for April 2025:      

Do you know your SuperFICO?  
Message 15 of 30
althes
Frequent Contributor

Re: Walmart card not updating on Transunion

Something has to be up, no updates yet.

BT still hasn't posted.

 

Message 16 of 30
Anonymous
Not applicable

Re: Walmart card not updating on Transunion



I agree. I checked my SO's report and her PPMC, Old Navy, and Walmart have not reported either. They all report around the 30th of each month and still no update on TU but EX and EQ updated like clockwork.

 

 

Message 17 of 30
althes
Frequent Contributor

Re: Walmart card not updating on Transunion

Checked this morning and nothing has happened.

Well guess I will wait 2 weeks see if the BT posts by then,

Who knows when TU will update at this point.

 

Message 18 of 30
Anonymous
Not applicable

Re: Synchrony / Lowes, no TU updates in 3 months. What gives?

I've got two Synchrony accounts that haven't updated on TU since June of this year but have updated on EX and EQ reliably. It is frustratingly inconsistent with them.

Message 19 of 30
Anonymous
Not applicable

Re: Walmart card not updating on Transunion

IME- AMEX DISCO, CITI report quickly usually Experian immediately the other two next day or two...
Synchrony can take up to 10 days to show up on Experian and longer on other 2.
My Dcu account reports last day of month. Last month It didn't show up for 29 days. This month it's already 16 days since being reported.
They all say they sent it and it's up to CRA now. But AMEX DISCO, CITI Can always have their accounts reported within days. Seems like other Banks take their time. And synchrony likes to mid cycle report sometimes
My trans Union hasn't been updated for tu last month either, it just hit Equifax a couple days ago and hit Experian a couple days after statement
Message 20 of 30
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