Author Topic: credit score (Read 830695 times)

JTZ · « **Reply #2780 on:** April 13, 2016, 09:34:14 AM »

Quote from: Mendelssohn on April 13, 2016, 09:31:20 AM

Not IME.

They report to all 3 the same day. They tend to update in that order for me for all issuers.

TU has antiquated technology.

What I meant is BOA might report that way a day after statement closes and Amex might use the same schedule but start 5 days later.

Mendelssohn · « **Reply #2781 on:** April 13, 2016, 09:36:03 AM »

Quote from: JTZ on April 13, 2016, 09:34:14 AM

What I meant is BOA might report that way a day after statement closes and Amex might use the same schedule but start 5 days later.

Yes, some issuers may take more time to report, but most tend to report in the order I posted with the CRAs.

dealfinder85 · « **Reply #2782 on:** April 13, 2016, 09:51:14 AM »

how long does CK take to report inquiries
I want to see if amex pulled credit a second time for the 5 day wait

Mendelssohn · « **Reply #2783 on:** April 13, 2016, 09:59:52 AM »

Quote from: dealfinder85 on April 13, 2016, 09:51:14 AM

how long does CK take to report inquiries
I want to see if amex pulled credit a second time for the 5 day wait

Check the EX backdoor.

JTZ · « **Reply #2784 on:** April 13, 2016, 10:02:04 AM »

Quote from: Mendelssohn on April 13, 2016, 09:59:52 AM

Check the EX backdoor.

You might have to explain this.

Mendelssohn · « **Reply #2785 on:** April 13, 2016, 10:10:52 AM »

Start a dispute on EX and check the inquiries.

Don't actually dispute, but just check your report.

JTZ · « **Reply #2786 on:** April 13, 2016, 10:12:12 AM »

Quote from: Mendelssohn on April 13, 2016, 10:10:52 AM

Start a dispute on EX and check the inquiries.

Don't actually dispute, but just check your report.

TY!

newdealseeker · « **Reply #2787 on:** April 13, 2016, 12:42:39 PM »

Quote from: Mendelssohn on April 13, 2016, 09:59:52 AM

Check the EX backdoor.

Is that something you can keep doing?

Mendelssohn · « **Reply #2788 on:** April 13, 2016, 12:47:56 PM »

Quote from: newdealseeker on April 13, 2016, 12:42:39 PM

Is that something you can keep doing?

If you do it too much, they may lock you out.

Also, if you do it with a report number, the numbers don't last forever.

noturbizniss · « **Reply #2789 on:** April 13, 2016, 02:22:22 PM »

Quote from: Mendelssohn on April 13, 2016, 10:10:52 AM

Start a dispute on EX and check the inquiries.

Don't actually dispute, but just check your report.

i went to https://www.experian.com/ncaconline/dispute?intcmp=dispute_app_startNew. i entered personal info and then i got this

JTZ · « **Reply #2790 on:** April 13, 2016, 04:59:38 PM »

Quote from: noturbizniss on April 13, 2016, 02:22:22 PM

i went to https://www.experian.com/ncaconline/dispute?intcmp=dispute_app_startNew. i entered personal info and then i got this

You are pretty much out of luck with the backdoor method.

AJK · « **Reply #2791 on:** April 13, 2016, 07:27:08 PM »

How long does it take for Chase to update CRA's after PIF?

newdealseeker · « **Reply #2792 on:** April 13, 2016, 08:33:38 PM »

Quote from: AJK on April 13, 2016, 07:27:08 PM

How long does it take for Chase to update CRA's after PIF?

I already saw an update after 2 days.

mgarfin · « **Reply #2793 on:** April 14, 2016, 08:04:24 AM »

Do banks report your balance the day the statement closes ?

noturbizniss · « **Reply #2794 on:** April 14, 2016, 08:52:10 AM »

Quote from: noturbizniss on April 13, 2016, 07:15:44 AM

If a cc closed yesterday (I see statement online now), however CK report is still showing the prior balance (report was updated just now), does tht mean the statement may not be reported to CB's yet? I want to ensure EX is updated before i apply for a card, but if CK is a good measuring stick, ill wait a day or 2 before getting EX trial.

Basically my question is how long after a statement closes will the CR be updated.

Quote from: Mendelssohn on April 13, 2016, 09:10:01 AM

It just hasn't updated yet. There is no way to tell when it will report to EX from CK though.

IME, most of the time EX updates in 1-2 days, EQ a day or two later and TU up to a week from the statement closing.

Quote from: mgarfin on April 14, 2016, 08:04:24 AM

Do banks report your balance the day the statement closes ?

PillanSmye · « **Reply #2795 on:** April 14, 2016, 11:47:51 AM »

I've had time periods where AMEX was a month behind on reporting to EX.

dealfinder85 · « **Reply #2796 on:** April 15, 2016, 09:05:53 AM »

Quote from: noturbizniss on April 13, 2016, 02:22:22 PM

i went to https://www.experian.com/ncaconline/dispute?intcmp=dispute_app_startNew. i entered personal info and then i got this

i got that and then i tried again today and it worked
so go for it again

mgarfin · « **Reply #2797 on:** April 15, 2016, 10:34:12 AM »

Do all banks report data from statement closing day? Is there a scenario that a bank reports data from a given day in the month, no matter if it's closing day?

David Smith · « **Reply #2798 on:** April 15, 2016, 10:43:09 AM »

Quote from: mgarfin on April 15, 2016, 10:34:12 AM

Do all banks report data from statement closing day? Is there a scenario that a bank reports date from a given day in the month, no matter if it's closing day?

Yes, there are a couple of banks that so that. DCU comes to mind, but I'm sure Mendelssohn or someone else who knows the subject will supply more.

Jkhein · « **Reply #2799 on:** April 15, 2016, 12:32:00 PM »

is it better/any difference if I let one credit card close with 95% credit utilization or lets say a few different ones with 60%? and does it hurt long term or it will recover when payment is made by next month?

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Author Topic: credit score (Read 830695 times)