JTsdaddy Posted September 3, 2008 Report Share Posted September 3, 2008 When the heck do these guys report. I paid the entire balance on 8-15 and waiting for it to show. when I paid mt credit one account I got a 10 point increase.. Link to comment Share on other sites More sharing options...
LeslieR Posted September 3, 2008 Report Share Posted September 3, 2008 Oh they are very slow. Typically they report once a month, but if you do anything major that you really want them to report (like PIF) LOL, it's every 6-8 weeks. They are also pretty sporadic about reporting. They'll report regularly for a few months, and then take a little break.I closed my orchard account recently, and it took them almost three months to report it as closed. Link to comment Share on other sites More sharing options...
JTsdaddy Posted September 3, 2008 Author Report Share Posted September 3, 2008 should I dispue with CRA as PIF. when they verify it should update the TL Link to comment Share on other sites More sharing options...
LeslieR Posted September 3, 2008 Report Share Posted September 3, 2008 Well you can, but it hasn't been a month since you paid it off...so it might be jumping the gun.Do you know when the last time HSBC reported for you was?But, sure, why not?.... Link to comment Share on other sites More sharing options...
JTsdaddy Posted September 3, 2008 Author Report Share Posted September 3, 2008 Yeah.. I just checked my TC. they reported it between the 15-19 of the month...I guess ill give it a few... Crown jewlers hasnt reported either.. Link to comment Share on other sites More sharing options...
AboveAverage Posted September 4, 2008 Report Share Posted September 4, 2008 Yeah.. I just checked my TC. they reported it between the 15-19 of the month...I guess ill give it a few... Crown jewlers hasnt reported either..CJ is very slow. My EX will report quick and then TU takes about a week to catch up.HSBC on average takes about 2 weeks to get ALL CRAs reported. Same with their auto loan. TU just reported the latest balance. I have my pulling down to a science though in terms of pulling a FICO. All of my TLs should have reported with the latest date by the 26th of each month (that includes the latest Trifecta TLs). YMMV though. Link to comment Share on other sites More sharing options...
JTsdaddy Posted September 4, 2008 Author Report Share Posted September 4, 2008 well I just disputed with TU and EQ about the incorrect balance.. Hopefully They will get to it ASAP as I am looking into a home. And any point increase will help. Link to comment Share on other sites More sharing options...
lovebug5 Posted September 4, 2008 Report Share Posted September 4, 2008 I hope that the CRA's don't come back at you with frivolous disputes and/or red flag your CR's. TC is consistently behind schedule with their updates, even if the individual CRA's are receiving updates on time from the creditors. Link to comment Share on other sites More sharing options...
JTsdaddy Posted September 4, 2008 Author Report Share Posted September 4, 2008 I hope that the CRA's don't come back at you with frivolous disputes and/or red flag your CR's. TC is consistently behind schedule with their updates, even if the individual CRA's are receiving updates on time from the creditors.Dont know why they would I have not nedded to dispute anthing for a long time.. letting nature take it course, But I wanna Get my utilaztion down Link to comment Share on other sites More sharing options...
AboveAverage Posted September 4, 2008 Report Share Posted September 4, 2008 Link to comment Share on other sites More sharing options...
lovebug5 Posted September 5, 2008 Report Share Posted September 5, 2008 Getting your utilization down should come from responsible use of your credit cards and making payments that you can afford without incurring new debt... Link to comment Share on other sites More sharing options...
jestor151 Posted September 5, 2008 Report Share Posted September 5, 2008 ??? Link to comment Share on other sites More sharing options...
JTsdaddy Posted September 6, 2008 Author Report Share Posted September 6, 2008 Getting your utilization down should come from responsible use of your credit cards and making payments that you can afford without incurring new debt...I can afford ALL my monthly payments.. but when I paid the card off and had a LOW Utilizaion on the card that reported I had an increase of 7 points Link to comment Share on other sites More sharing options...
LeslieR Posted September 6, 2008 Report Share Posted September 6, 2008 Getting your utilization down should come from responsible use of your credit cards and making payments that you can afford without incurring new debt...LB, that's what he did - paid off a CC - and now Orchard is taking its time reporting the zero balance. Link to comment Share on other sites More sharing options...
JTsdaddy Posted September 9, 2008 Author Report Share Posted September 9, 2008 Well disputing got HSBC to respond TU reported and I got 5 pnt increase.. Link to comment Share on other sites More sharing options...
LeslieR Posted September 11, 2008 Report Share Posted September 11, 2008 Well disputing got HSBC to respond TU reported and I got 5 pnt increase..Good work! Link to comment Share on other sites More sharing options...
JTsdaddy Posted September 11, 2008 Author Report Share Posted September 11, 2008 Well disputing got HSBC to respond TU reported and I got 5 pnt increase..Which may or may not have helpd my new HOME loan.. But Hell Im getting a NEW home.. They normally dont report till about the 15th if at all.. So It worked. Link to comment Share on other sites More sharing options...
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