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Credit Reports FAQs

Frequently Asked Questions

What information do you send to the credit reporting agencies?

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We send a range of account information including credit limit, account balance, scheduled monthly payment, payment history and status of the account.

I missed a payment, can you make a goodwill or courtesy adjustment and remove it from my credit report?

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The information we report is required to be complete and accurate. Because of this, we don’t make goodwill or courtesy credit report adjustments. We understand that you may be concerned about the potential impact of a late payment. Learn more about credit reporting information, including tips for raising your credit score.

When is a payment reported as late on my credit report?

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A payment can be reported as past due if it’s received 30 or more days after the due date.

How can I get a copy of my credit report?

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You’re entitled to a free credit report every 12 months from each of the three major credit reporting agencies.  To get your report or for more information, go to annualcreditreport.com.

How do I correct an error on my credit report?

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If you think we’ve reported information incorrectly, you can dispute it with us and/or with the credit reporting agency.

 

Please send us detailed information indicating what you think is inaccurate and why, and include any documentation you have. This may include marked-up copies of the credit report specifying the information that is being disputed, front and back of a check, stop-payment confirmations or express mail receipts. Send it to:

 

Card Services

Credit Bureau Dispute Processing

PO Box 15369

Wilmington, DE 19850-5369

 

You can also provide it directly to the credit reporting agency using the information below:

 

Equifax: 1-866-349-5191

Experian: 1-800-493-1058

TransUnion: 1-800-916-8800

If I want to close my credit card how will it impact my credit report?

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Closing a credit card may impact your credit report negatively depending on your credit reporting history. You should review your individual situation and determine what action is best for you.

Will requesting an increase to my credit limit generate an inquiry?

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Asking to increase your credit limit may result in an inquiry on your credit report.

Why did I have a late payment reported if I paid the new balance on my last statement?

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The late payment being reported may be a result of unpaid residual interest. Generally, residual interest, also known as trailing interest, is the amount of interest from the date the last statement was generated until the balance is paid in full.