Jump to content
Member? but forgot everything, can't log in... Frozen out??? ×

THIS IS A POLITICS-FREE ZONE.

CU Only Reporting to EQ

alibaba77

By alibaba77
in Credit Forum

 Share

The last post in this topic was posted 5089 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

alibaba77

alibaba77

Posted
Posted

Is there any way to have a CU report to all three CRAs when they've only reported to EQ. Since they are only reporting to one CRA it is causing my score at the other two CRAs to suffer. Anyone here had any luck in this situation?


Bobbydebt

Bobbydebt

Posted
Posted

Is there any way to have a CU report to all three CRAs when they've only reported to EQ. Since they are only reporting to one CRA it is causing my score at the other two CRAs to suffer. Anyone here had any luck in this situation?

 

You can't force a company to report to any of the 3 CRA's, it's their decision. However, you can call and ask if they report to all three CRAs or just EQ. Maybe there is a problem in reporting, or maybe they only report to EQ.

alibaba77

alibaba77

Posted
  • Author
Posted

Is there any way to have a CU report to all three CRAs when they've only reported to EQ. Since they are only reporting to one CRA it is causing my score at the other two CRAs to suffer. Anyone here had any luck in this situation?

 

You can't force a company to report to any of the 3 CRA's, it's their decision. However, you can call and ask if they report to all three CRAs or just EQ. Maybe there is a problem in reporting, or maybe they only report to EQ.

 

Just called...A very nice lady checked into it and was told they do not report because they do not have accounts with TU or EX. She said I could contact TU and EX and request that they review my EQ report but it likely wouldn't update unless I requested it. She said that in itself would be a shot in the dark. Oh well, I suppose that's what I get for putt all of my eggs in one basket for so long. :swoon:

Gaby10

Gaby10

Posted
Posted

Is there any way to have a CU report to all three CRAs when they've only reported to EQ. Since they are only reporting to one CRA it is causing my score at the other two CRAs to suffer. Anyone here had any luck in this situation?

 

You can't force a company to report to any of the 3 CRA's, it's their decision. However, you can call and ask if they report to all three CRAs or just EQ. Maybe there is a problem in reporting, or maybe they only report to EQ.

 

Just called...A very nice lady checked into it and was told they do not report because they do not have accounts with TU or EX. She said I could contact TU and EX and request that they review my EQ report but it likely wouldn't update unless I requested it. She said that in itself would be a shot in the dark. Oh well, I suppose that's what I get for putt all of my eggs in one basket for so long. :swoon:

 

She doesn't know what she's talking about. TU and EX won't "review" your EQ report, and they certainly don't accept self-reported TLs. They will only report what is reported to them by the creditor. This is a classic case of "Hmm, I have no idea AT ALL, but this sounds like it SHOULD work, based on what I think would be logical instead of actual knowledge of the subject..."

 

The amount of bad advice given out by CU employees is really shocking.

cb_opus

cb_opus

Posted
Posted

Depending on your circumstances, I'd suggest applying with a known, reliable EQ puller for a new TL that reports to all 3.

 

Use your EQ report to your advantage.

 

Good luck!

Bobbydebt

Bobbydebt

Posted
Posted

Is there any way to have a CU report to all three CRAs when they've only reported to EQ. Since they are only reporting to one CRA it is causing my score at the other two CRAs to suffer. Anyone here had any luck in this situation?

 

You can't force a company to report to any of the 3 CRA's, it's their decision. However, you can call and ask if they report to all three CRAs or just EQ. Maybe there is a problem in reporting, or maybe they only report to EQ.

 

Just called...A very nice lady checked into it and was told they do not report because they do not have accounts with TU or EX. She said I could contact TU and EX and request that they review my EQ report but it likely wouldn't update unless I requested it. She said that in itself would be a shot in the dark. Oh well, I suppose that's what I get for putt all of my eggs in one basket for so long. :swoon:

 

She doesn't know what she's talking about. TU and EX won't "review" your EQ report, and they certainly don't accept self-reported TLs. They will only report what is reported to them by the creditor. This is a classic case of "Hmm, I have no idea AT ALL, but this sounds like it SHOULD work, based on what I think would be logical instead of actual knowledge of the subject..."

 

The amount of bad advice given out by CU employees is really shocking.

 

I agree, but would not limit the bad advice coming from CUs. Pretty much any business dealing with credit, even mortgage underwriters, have no idea WTH they are talking about.

Gaby10

Gaby10

Posted
Posted (edited)

Is there any way to have a CU report to all three CRAs when they've only reported to EQ. Since they are only reporting to one CRA it is causing my score at the other two CRAs to suffer. Anyone here had any luck in this situation?

 

You can't force a company to report to any of the 3 CRA's, it's their decision. However, you can call and ask if they report to all three CRAs or just EQ. Maybe there is a problem in reporting, or maybe they only report to EQ.

 

Just called...A very nice lady checked into it and was told they do not report because they do not have accounts with TU or EX. She said I could contact TU and EX and request that they review my EQ report but it likely wouldn't update unless I requested it. She said that in itself would be a shot in the dark. Oh well, I suppose that's what I get for putt all of my eggs in one basket for so long. :swoon:

 

She doesn't know what she's talking about. TU and EX won't "review" your EQ report, and they certainly don't accept self-reported TLs. They will only report what is reported to them by the creditor. This is a classic case of "Hmm, I have no idea AT ALL, but this sounds like it SHOULD work, based on what I think would be logical instead of actual knowledge of the subject..."

 

The amount of bad advice given out by CU employees is really shocking.

 

I agree, but would not limit the bad advice coming from CUs. Pretty much any business dealing with credit, even mortgage underwriters, have no idea WTH they are talking about.

 

Lately, I have heard more than usual coming from CUs. Like the brochure they put out advising people to check their credit reports for old, unused accounts and close them to improve scores. WTF????

 

(And I certainly didn't limit the bad advice to CUs... only mentioned the bad advice coming from CUs because that's what this thread involved.)

Edited by Gaby10
Bobbydebt

Bobbydebt

Posted
Posted

 

Lately, I have heard more than usual coming from CUs. Like the brochure they put out advising people to check their credit reports for old, unused accounts and close them to improve scores. WTF????

 

Lol! That's some pretty terrible advice.

Gaby10

Gaby10

Posted
Posted (edited)

Lately, I have heard more than usual coming from CUs. Like the brochure they put out advising people to check their credit reports for old, unused accounts and close them to improve scores. WTF????

 

Lol! That's some pretty terrible advice.

 

Scary bad. swoon.gif

 

Oh and I believe they refer to these accounts as "unnecessary," too.

Edited by Gaby10
luckydriver

luckydriver

Posted
Posted

Is there any way to have a CU report to all three CRAs when they've only reported to EQ. Since they are only reporting to one CRA it is causing my score at the other two CRAs to suffer. Anyone here had any luck in this situation?

 

thats funny, i have the opposite with my CU...my highly used visa isnt on TU but is on the other 2 and my fako is much higher for TU as a result. so if i can get a TU only puller i probably can get a better card

alibaba77

alibaba77

Posted
  • Author
Posted

This being the case, every score simulator I've used is telling me to open a new credit card. My concern is that I won't be able to qualify for a mortgage if I do that. Is this concern warranted? Should I hold off? I know the simulators are not that reliable but it would be nice to do something to improve those other two scores. It's a shame that an action that has a positive effect on my score could ultimately disqualify me from getting credit approval.

 

Flawed system!!!

BDK

BDK

Posted
Posted

Also, does PenFed do a hard pull to join?

 

Yes, an EQ pull that is good for all other credit apps for up to 90 days. So you should app for a credit product after joining.

alibaba77

alibaba77

Posted
  • Author
Posted

Also, does PenFed do a hard pull to join?

 

Yes, an EQ pull that is good for all other credit apps for up to 90 days. So you should app for a credit product after joining.

 

But the report to all three??? An only pull EQ upon joining???

BDK

BDK

Posted
Posted

Also, does PenFed do a hard pull to join?

 

Yes, an EQ pull that is good for all other credit apps for up to 90 days. So you should app for a credit product after joining.

 

But the report to all three??? An only pull EQ upon joining???

 

Yes, yes.

BDK

BDK

Posted
Posted
You can join either National Military Families Association ($20 one time donation) or Voice For America's Troops ($15 one time donation) to gain eligibility for PenFed.

 

Be forewarned though, PenFed has a reputation of being super-conservative (wanting high FICO scores, 720+), and wants to see decreasing balances on your credit report over the last six months (otherwise you will be labeled an Egyptian)

alibaba77

alibaba77

Posted
  • Author
Posted
You can join either National Military Families Association ($20 one time donation) or Voice For America's Troops ($15 one time donation) to gain eligibility for PenFed.

 

Be forewarned though, PenFed has a reputation of being super-conservative (wanting high FICO scores, 720+), and wants to see decreasing balances on your credit report over the last six months (otherwise you will be labeled an Egyptian)

 

I thought balance histories weren't retained in the CR??? How will they know if they've been decreasing or if I just paid everything off last month???

The last post in this topic was posted 5089 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

×
 Share
Go to topic listing



  • Member Statistics

    • Total Members
      190435
    • Most Online
      9039
    mhudson323
    Newest Member
    mhudson323
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.

Pages

×
×
  • Create New...

Important Information

Guidelines

  I accept