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Author Topic: When do the credit bureaus pull ?  (Read 1318 times)

Offline rotenym

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When do the credit bureaus pull ?
« on: December 23, 2014, 07:08:00 PM »
Hi.
I am sure this has been brought up before but i cant find it....  so sorry..
I have a Home Depot Credit Card (card is issued by CITI bank and its a Discover card), i always pay on time, somehow, this month it was changed to paperless statement and i payed 15 days late (i know its the worst thing) i right away called when i realized, they accept my apology and they took off the late fee but they told me that if i am worried about my credit report then i gotta call all 3 credit bureaus because they pull their info anytime during the month and it might be too late for me... so does anyone have any clue when they pull and will they even help me...
Thanks
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Offline notanonymous

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Re: When do the credit bureaus pull ?
« Reply #1 on: December 23, 2014, 07:09:43 PM »
Quote from: rotenym on December 23, 2014, 07:08:00 PM
Hi.
I am sure this has been brought up before but i cant find it....  so sorry..
I have a Home Depot Credit Card (card is issued by CITI bank and its a Discover card), i always pay on time, somehow, this month it was changed to paperless statement and i payed 15 days late (i know its the worst thing) i right away called when i realized, they accept my apology and they took off the late fee but they told me that if i am worried about my credit report then i gotta call all 3 credit bureaus because they pull their info anytime during the month and it might be too late for me... so does anyone have any clue when they pull and will they even help me...
Thanks
Will not be reported unless 30+ days late.
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Offline coralsnake

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Re: When do the credit bureaus pull ?
« Reply #2 on: December 23, 2014, 07:17:38 PM »
Quote from: notanonymous on December 23, 2014, 07:09:43 PM
Will not be reported unless 30+ days late.
+1
The report specifically identifies a 30, 60, 90, 120+ day late. Nothing shorter even if you would pay a late fee.
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Offline rotenym

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Re: When do the credit bureaus pull ?
« Reply #3 on: December 23, 2014, 08:11:50 PM »
so a person can pay every month 28 day's late and still have great credit? and the late fees itself isn't reported ?
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Offline coralsnake

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Re: When do the credit bureaus pull ?
« Reply #4 on: December 23, 2014, 10:32:18 PM »
Quote from: rotenym on December 23, 2014, 08:11:50 PM
so a person can pay every month 28 day's late and still have great credit? and the late fees itself isn't reported ?
Correct.
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Offline mawmaw

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Re: When do the credit bureaus pull ?
« Reply #5 on: December 23, 2014, 11:52:48 PM »
YMMV the lender may not approve you in the future. many banks have internal factors for approvals   
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Offline Emkay

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Re: When do the credit bureaus pull ?
« Reply #6 on: December 24, 2014, 01:31:29 AM »
Quote from: mawmaw on December 23, 2014, 11:52:48 PM
YMMV the lender may not approve you in the future. many banks have internal factors for approvals
They all do but paying 15 days late once wont change much in the bigger picture
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