New Account in Credit Report

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beckhsrules
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Location: NewJersey

New Account in Credit Report

Postby beckhsrules » Wed May 28, 2014 5:37 pm

How long does it usually take for my new accounts to appear in my credit report. Two of my accounts were opened last months and they are yet to reflect in my report. Also I am not able to see FICO score along with my DISCOVER Statement which states that my credit history is short. I have history from Jan 2014. Please advise.
Cards:

Amex Blue Sky 2000 (5/14)
Amex PRG NPSL (8/14)
Bank of America Cash Rewards Visa 2500 (1/14)
BofA Better Balance Rewards 1000 (6/14)
Discover IT 1250 (4/14)


Scores: As of May 25 2014

Experian 714
Equifax 709
TransUnion 714
Discover 694(Aug 31)


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Terry
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Joined: Fri Sep 28, 2012 9:22 pm
Location: Texas

Postby Terry » Wed May 28, 2014 6:08 pm

beckhsrules wrote:How long does it usually take for my new accounts to appear in my credit report. Two of my accounts were opened last months and they are yet to reflect in my report. Also I am not able to see FICO score along with my DISCOVER Statement which states that my credit history is short. I have history from Jan 2014. Please advise.


Usually within a few days after the first or second statement closing date, the creditor will report a new line of credit to the credit reporting agencies.
AMEX Green Card - NPSL [Member Since 1995] ;)
AMEX Everyday Card ($25,000) 6/14 Backdated to 1995 - For 20% Extra Points Benefit
Chase Freedom Visa Signature ($17,000) - For 5% rotating categories
Citi ThankYou Preferred Visa Signature ($16,000) - 2% dining
Discover IT Humane Society Design ($16,500) - For 5% rotating categories
Firestone ($2,600) - For 0% financing
Home Depot ($10,000) - For 0% financing
JCPenney Credit Card ($7,000) - For special discounts
Sam's Club MasterCard - ($20,000) - 5% off gas at any fuel pump
Wells Fargo Personal Line of Credit - ($15,000)

FICO's - 767 EX, 778 EQ, 790 TU [02/2015]

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otter
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Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Wed May 28, 2014 9:02 pm

Sometimes it depends on the issuer... Amex usually takes their sweet time, especially when you are a new cardholder with them- my first Amex card did not show until the third statement. On the other hand, I have seen other issuers who waste no time. When I had a PayPal card from GE Bank, it showed on my report before I even received the card(I think that's how I found out my CL for the card).
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450



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