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Baby Joe

When will stuff show up on my CR ?

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Hey all, couple quick questions regarding when things will show up on my CR.

 

Recently my wife added me as an AU to some of her cards. How long will it usually take before they show up on my CR?

 

Conversely, if I make a big purchase on a Monday, and then a mortgage lender does a hard pull 2 days later (Wednesday), will that large purchase show on my CR, or does the account need to "close" before that purchase shows up?

 

I ask because I pay for USAA's credit monitoring service and I just got an updated CR today. Neither the 2 new AU accounts show up, nor does a large purchase I just made. I'm just curious how long it might take before those things do appear.

 

Thanks,

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New accounts (whether AU or not can take some time to appear). Who are they with? 

 

Generally, purchases on revolving accounts do not show until your new statement cuts, which also varies. 

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9 minutes ago, Second Chances said:

New accounts (whether AU or not can take some time to appear). Who are they with? 

 

Generally, purchases on revolving accounts do not show until your new statement cuts, which also varies. 

Costco (Citibank) and Amazon Prime (Chase). The limits are pretty decent and will add approx. 50% available credit to my current limit, so I'm eager for them to appear and to see how much they affect my score.

Edited by Baby Joe

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14 hours ago, Second Chances said:

New accounts (whether AU or not can take some time to appear). Who are they with? 

 

Generally, purchases on revolving accounts do not show until your new statement cuts, which also varies. 

 

I've had several accounts appear well before I even receive the card. it all depends on when the creditor reports them. that's the long and short of it.

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Most credit cards report the statement balance, which gets updated on your credit reports within a few days of the statement closing.

 

There are a few oddball cards that report off-cycle.  My US Bank Cash+ card, for example, reports the balance as of the end of the calendar month.

 

Here's a relevant thread:

 

 

If you're going to apply for a mortgage they will almost certainly pull your reports again right before closing (or right before funding).  If you have a large purchase coming up that might blow your DTI out of the water for a mortgage, I would recommend rethinking the timing of the mortgage.

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