Reporting timeline

Discussion in 'Credit Talk' started by Junior, Oct 31, 2003.

  1. Junior

    Junior New Member

    How long after a payment or payments are delinquent does a credit card company report the delinquency to a CRA? Is it affected by history, amount delinquent, other such factors?
     
  2. faztcobra

    faztcobra Well-Known Member

    I think it's pretty much any amount past due, one day past due. These days, it hits right away on anything it seems. And it's usually within a couple days after it's past due. Your due date is usually a few days before the end of your billing cycle. From my experience, a day or so after the close date, Experian is updated and within 3-5 days, Transunion is updated. I've noticed up to two weeks for Equifax. Basically, if your acct goes past due, your gonna get screwed on your credit report within a week.
     

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