Credit Union reporting one account but not another to CRAs?

[ChuckG]

Recently I opened a new account with Navy Federal. First thing I did was apply for and receive a rewards Visa. I used it to consolidate the small balances from my 3 subprime rebuilder cards and also began using it for daily expenses. My first payment is due on 6/24

Then a couple weeks later, I applied for and received an auto refinance loan. this past Friday I received the payoff check and my first payment isn't due until 7/24.

Neither has triggered an alert on SW yet, but TC already has the auto loan trade line. Should I be worried that the Visa is not reporting? I'm really excited to have it's available balance factored into my util%.

Also, how long should I expect before the old, now paid off auto loan shows a 0 balance? I would like to get another loan, but it looks like I owe twice as much as I do since the loan balance is showing under both accounts currently.

[Junejer]

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@ChuckG wrote:
Recently I opened a new account with Navy Federal. First thing I did was apply for and receive a rewards Visa. I used it to consolidate the small balances from my 3 subprime rebuilder cards and also began using it for daily expenses. My first payment is due on 6/24

Then a couple weeks later, I applied for and received an auto refinance loan. this past Friday I received the payoff check and my first payment isn't due until 7/24.

Neither has triggered an alert on SW yet, but TC already has the auto loan trade line. Should I be worried that the Visa is not reporting? I'm really excited to have it's available balance factored into my util%.

Also, how long should I expect before the old, now paid off auto loan shows a 0 balance? I would like to get another loan, but it looks like I owe twice as much as I do since the loan balance is showing under both accounts currently.

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For the latter part of the question give it 30-45 days to report.

For the CC, that could be at any time. It varies from company to company on when it will report. I had Lowe's report within three days of me opening the account. PenFed hasn't reported anything yet, even though I have used the card and am driving the car. My guess is give it 30 days or so to report as well.

[haulingthescoreup]

Chances are, your CC will report on its statement date. That's how it worked on mine.

[ChuckG]

Thanks for the replies, I'll continue to keep an eye out for that.