Received my new EQ report today...

[greywolf]

Some new surprises from EQ:

Office Depot - Reporting

Key Bank - Reporting

Sears - Reporting

 

My EQ report is finally starting to look decent, so I put in an application for a Lowe's card, hoping for an approval

[TrucknAlng]

I am beginning to think that alotta places are either doing quarterly or bi-annually reporting.

[BRBiz]

Good luck GE has there heads so far up there behind, I get denied for the revolving card every time I apply, the reason cant verify company?

Interesting since I already have a net 30 card with them that I got when I had a thin credit file now I have a thick file and every one else says the same thing

[B_o_s6]

Some new surprises from EQ:

Office Depot - Reporting

Key Bank - Reporting

Sears - Reporting

 

My EQ report is finally starting to look decent, so I put in an application for a Lowe's card, hoping for an approval

 

 

How are they reporting key and sears?and also lowes pull equifax and pull dnb when doing a manual app.

[greywolf]

Key is reporting as a commercial card, with the balance a month or two behind. Sears is the same, and is reporting a limit of $6k.

[BRBiz]

Key is reporting as a commercial card, with the balance a month or two behind. Sears is the same, and is reporting a limit of $6k.

 

Did you have any luck with D&B on which vendors were reporting on your report?

[greywolf]

Key is reporting as a commercial card, with the balance a month or two behind. Sears is the same, and is reporting a limit of $6k.

 

Did you have any luck with D&B on which vendors were reporting on your report?

Nope, they gave me the runaround... I am going to try calling back in a few weeks. I don't want to raise any flags by calling continuously, as D&B does log every call into your file.

[B_o_s6]

Key is reporting as a commercial card, with the balance a month or two behind. Sears is the same, and is reporting a limit of $6k.

 

Did you have any luck with D&B on which vendors were reporting on your report?

Nope, they gave me the runaround... I am going to try calling back in a few weeks. I don't want to raise any flags by calling continuously, as D&B does log every call into your file.

 

How is Sears reporting on dnb and ex and Key on ex?

[greywolf]

Key is reporting as a commercial card, with the balance a month or two behind. Sears is the same, and is reporting a limit of $6k.

 

Did you have any luck with D&B on which vendors were reporting on your report?

Nope, they gave me the runaround... I am going to try calling back in a few weeks. I don't want to raise any flags by calling continuously, as D&B does log every call into your file.

 

How is Sears reporting on dnb and ex and Key on ex?

I am almost positive Sears is not reporting on D&B or EX. I think Key is being reported as a mortgage broker on D&B, and I don't see it on my EX report.

[B_o_s6]

Key is reporting as a commercial card, with the balance a month or two behind. Sears is the same, and is reporting a limit of $6k.

 

Did you have any luck with D&B on which vendors were reporting on your report?

Nope, they gave me the runaround... I am going to try calling back in a few weeks. I don't want to raise any flags by calling continuously, as D&B does log every call into your file.

 

How is Sears reporting on dnb and ex and Key on ex?

I am almost positive Sears is not reporting on D&B or EX. I think Key is being reported as a mortgage broker on D&B, and I don't see it on my EX report.

 

 

I have a trade on ex listed as credit card,terms revolving but thats strange because its showing the balance of what I spent on my sears and best buy cards but the terms of key!!and also has the same balance as the mortgage banker trade on dnb! sears is reporting on eq but no key yet, companies should just do away with dnb and ex and use EQ!!!!!

[clintbeastwood]

how are things reported on eq?

 

Does it show your credit limit and how much of it is being utilized (like personal), or does it show your credit limit, your usage amount?

[B_o_s6]

how are things reported on eq?

 

Does it show your credit limit and how much of it is being utilized (like personal), or does it show your credit limit, your usage amount?

 

 

Yes their biz report is setup just like personal!it shows the the entire cr limit,current usage and payment history. The good thing is it show's the reported date each month and a partial account # so that its easy to see who's reporting.

[clintbeastwood]

how are things reported on eq?

 

Does it show your credit limit and how much of it is being utilized (like personal), or does it show your credit limit, your usage amount?

 

 

Yes their biz report is setup just like personal!it shows the the entire cr limit,current usage and payment history. The good thing is it show's the reported date each month and a partial account # so that its easy to see who's reporting.

 

 

so my next question is....does it hurt or is it bad if your utilization vs. credit limit is high? For example if I'm carrying $3000.00 on my Key Bank Card of $4400.00 , will that have a negative effect in the creditor's eyes??

[B_o_s6]

how are things reported on eq?

 

Does it show your credit limit and how much of it is being utilized (like personal), or does it show your credit limit, your usage amount?

 

 

Yes their biz report is setup just like personal!it shows the the entire cr limit,current usage and payment history. The good thing is it show's the reported date each month and a partial account # so that its easy to see who's reporting.

 

 

so my next question is....does it hurt or is it bad if your utilization vs. credit limit is high? For example if I'm carrying $3000.00 on my Key Bank Card of $4400.00 , will that have a negative effect in the creditor's eyes??

 

 

I would imagine it would hurt if carry high balances,but I cant say for sure because I have never received a score with my report.