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david_weaver

How Long Before New Account Hits Reports?

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Was approved for a new credit card yesterday, $2000 limit.

 

I signed up for Credit.com today, as it is free, but they only provide vague information.

 

They do not provide specific account information, only overviews such as number of account, total balances, total available credit, etc.

 

They are showing one more open account, and $2000 more available credit, than the last time I had checked Experian on another site, and I have not opened or even applied for any other credit. I pulled. Did my SmartCredit and TrueCredit after seeing that, and there are no changes other than the inquiry yesterday?

 

Would it be possible that this new account reported to Experian THAT FAST?

 

Dave

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That would be what I thought. But I do not have a lot to count, so I do not know what else could account for the difference.

 

I have a $1500 department store card, and $300 with CapOne, in addition to student loans, an auto loan, and a mortgage.

 

Available credit shows as $3800, not $1800.

 

It also shows newest account opened as 0 months. Last thing I opened was a car loan last August.

 

Guess I will have to wait and see if it hits anything else I monitor.

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There are no rules to reporting maybe its there already certainly appears so with the information you provided my barclays card cut a statement like 3 days after i used it for the first time that one went on quickly cant remember exact time frame but it was fast

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There are creditors like GECRB as tornforr is saying that would report a new account extremely fast, within a couple of days of having been opened in some cases; any Comenity backed card would usually report within a week to ten days; NFCU reports very fast as well. Bottom line, it all depends on each creditor's policies!

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Barclay shows up fast, so more than likely it is them. Mine showed up on EX the very next day after approval.

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Barclays and BofA seem to be the quickest banks to report new accounts. AMEX being one of the slowest.

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