I just paid off my credit card balance and need to pull my credit report/scores from all three bureaus. I want to make sure my updated credit card balance is reflected on my credit report, with that said, what day do you submit credit card balance updates to each bureau?
Hello Ptown14, That's an excellent question. USAA will report your credit card information to the credit bureaus at each statement cycle (the day your receive your credit card bill). We send Equifax®, Experian® and TransUnion® the past 24 months of your credit history. The information includes, but is not limited to:
I hope this information was helpful and please let us know if you need further assistance. - Ben
Just from the response, I don't see that USAA is reporting a current balance every month? I'm sure that must be an error, however I have my credit cards to a zero balance and USAA continues to not only report the high balance, but shows my current balance as the same which would be incorrect.
Hello Old Salt 88, I'm sorry to hear the history of your credit card balance has not updated correctly to the credit bureaus each month. I have sent you a form to your documents online to assist in getting this matter resolved. ~ Lori
@cdouge, you can dispute without a form, online. Simply click on My Tools > Documents & Forms> Get USAA Forms > Banking (lower left column) > Consumer Report Dispute > Credit Report Dispute Online Request. We now have the option to dispute any information you feel is incorrectly reported without forms. If you do not see the reason for your dispute listed on the drop down lists that appear, simply select other and you ill be given the opportunity to type in your dispute reason. Hope this helps ~JM
@dcarne6880, The credit bureaus are updated each month when your statement is generated. I'd like to learn what has prompted you to request an update today. To begin the conversation, please send a private message. To send a private message, please select your username on the top, right-hand corner -> Envelope Icon -> Send Private Message. ~DC