I pulled my most recent TransUnion credit report, and it only shows closed credit card accounts.
I have one open account (discover) which I have been using for well over a year now, but it doesn’t appear in the report at all. I have made all payments on-time and in-full.
Is this normal? Should I ask Discover to report?
My credit is good even without discover (no negatives), but it doesn’t show any current revolving debt accounts.
They print on both sides of the paper. Discover was on the other side.
Hmmm, I will check and see if it is on mine.
This is very unusual, open accounts routinely report to credit agencies. Makes me wonder if they are reporting on the wrong person. If your credit is good I don’t think I would worry about it, but you could call them (the credit card company) and just inquire.
The same thing is happening to me. You can request that they report to the credit bureaus but they still do not have to do this. If your credit is good find a company that does report and ditch that card all together.
My credit isn’t that hot. My score is in the lower 600 so I’m doing my best to bring it up. I have been working on it for two years now. I’m almost thinking that this entire credit company bureau thing is a big pain in the azz scam!
there is more than one credit bureau. you want to get your report from each of them. eqifax,transunion, and experian and the big 3 you need to get each of them every year for acurate data. most states you are entitled to one from each bureau for free each year, check your state law for details, you are also allowed a report free from each if denied credit in the past couple months-90 days(again check your laws) also call discover and see who they use and if it doesn’t show up ask why, this is not improving your credit if it remains unreported(most likely it is another bureau)
U have two other ones credit beruals, look at those
it doesn’t show up because you don’t owe them any thing. So they don’t send in a report, So it doesn’t benifit you credit either.