Does Bank Of America Credit Card Report to All Credit Agencies?

Question

I was added on my fathers Bank of America visa credit card about a year ago. Recently getting my credit reports I saw that only one had the card listed (Transunion). The other two (Equifax and Experion) don't have it listed. Does Bank of America report to all three companies? How can I fix this?

Answer 1

In your case, maybe there's something in the way BofA reports when you're not the primary account holder (i.e., someone adds you as an authorized user) so that it isn't going to show on your credit report.

Sometimes it can take awhile for accounts to appear on your credit report (up to several months), depending on how and how often the creditors report to the bureaus.

Not every creditor reports to all of the credit agencies, for varying reasons. It seems odd that BofA wouldn't be reporting to at least both TransUnion and Equifax, so this is worth a phone call.

Sometimes when this happens its because the information the creditor is reporting is incorrect and doesn't match up to someone's credit file, so the bureaus don't list it. A social security number, date of birth, or name doesn't match (or perhaps some other detail), so it gets sidelined and never reported.

In any event, this is worth a quick call to BofA customer service to ask, and maybe they can either fix it if there's a problem or you can simply sign up for your own BofA account and have it reported.

I hope this helps.

Good luck!