I received an back from HEB Team about not having reported yet since 4 past statements(applied I. April/2023.) I inquired about the months I've had the card and will that information be present on my credit reports. The email stated:
"I wanted to follow up with you in regards to your call earlier today. I was able to confirm with our credit reporting team that we will not be reporting any previous activity prior to the start of bureau reporting which in this case was August 2023. I know this wasn't what you were expecting to hear and I apologize for the inconvenience. Going forward, all activity will be reported."
Have a great weekend.
Tamera | Imprint Support
so, looks like AAoA will be lowered, and my scores will drop AGAIN once this finally hits my reports. Something is not right here....am I wrong?
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I would wait to see what the account opened date shows. I don’t read it as if they will show incorrect account open date, just the payment history won’t show before August. Edit: iPhone autocorrect is the worst
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@Brooklyn2018 wrote:I received an back from HEB Team about not having reported yet since 4 past statements(applied I. April/2023.) I inquired about the months I've had the card and will that information be present on my credit reports. The email stated:
"I wanted to follow up with you in regards to your call earlier today. I was able to confirm with our credit reporting team that we will not be reporting any previous activity prior to the start of bureau reporting which in this case was August 2023. I know this wasn't what you were expecting to hear and I apologize for the inconvenience. Going forward, all activity will be reported."
Have a great weekend.
Tamera | Imprint Support
so, looks like AAoA will be lowered, and my scores will drop AGAIN once this finally hits my reports. Something is not right here....am I wrong?
I don't see anything "not right". I interpret it to mean that they can't report stuff retroactively.
@SouthJamaica wrote:
@Brooklyn2018 wrote:I received an back from HEB Team about not having reported yet since 4 past statements(applied I. April/2023.) I inquired about the months I've had the card and will that information be present on my credit reports. The email stated:
"I wanted to follow up with you in regards to your call earlier today. I was able to confirm with our credit reporting team that we will not be reporting any previous activity prior to the start of bureau reporting which in this case was August 2023. I know this wasn't what you were expecting to hear and I apologize for the inconvenience. Going forward, all activity will be reported."
Have a great weekend.
Tamera | Imprint Support
so, looks like AAoA will be lowered, and my scores will drop AGAIN once this finally hits my reports. Something is not right here....am I wrong?
I don't see anything "not right". I interpret it to mean that they can't report stuff retroactively.
@SouthJamaica why is that? Is it a contractual type thing with the bureaus? 🤷♂️
@Junejer wrote:
I would wait to see what the account opened date shows. I don’t read it as if they will show incorrect account open date, just the payment history won’t show before August. Edit: iPhone autocorrect is the worst
I get it, on say, an AU account not getting to benefit from retroactive info. I don't understand why they can't report retroactivity?
@Brooklyn2018- None of my cards show any payment history prior to the month they started reporting (no matter whether it was first statement, 2nd, etc) It doesn't matter though because the account opened date for each is the actual date of opening (before I even received a given card) and I suspect that will be the case with yours too. My Amex BCP reported after my 2nd statement closed but the date was based You won't have 4 months of reporting but the age of the account would still be based on that original date so there should be no difference in AAoA if they report month one or not till month 4 or 5. I think you're reading into it too much and whether they report on your first statement or after several statements will have no significant impact on your scores.
@Brooklyn2018 wrote:
@SouthJamaica wrote:
@Brooklyn2018 wrote:I received an back from HEB Team about not having reported yet since 4 past statements(applied I. April/2023.) I inquired about the months I've had the card and will that information be present on my credit reports. The email stated:
"I wanted to follow up with you in regards to your call earlier today. I was able to confirm with our credit reporting team that we will not be reporting any previous activity prior to the start of bureau reporting which in this case was August 2023. I know this wasn't what you were expecting to hear and I apologize for the inconvenience. Going forward, all activity will be reported."
Have a great weekend.
Tamera | Imprint Support
so, looks like AAoA will be lowered, and my scores will drop AGAIN once this finally hits my reports. Something is not right here....am I wrong?
I don't see anything "not right". I interpret it to mean that they can't report stuff retroactively.
@SouthJamaica why is that? Is it a contractual type thing with the bureaus? 🤷♂️
I have no idea.