Chase UK now showing on TransUnion credit report

Alex9384

My Credit Karma (TransUnion) updated today and I see my Chase account is now showing on it. But only 1 current account is showing, even though I opened 7. Maybe the ones opened later will show later? The account was opened in Dec 2021, but the first monthly green tick is only for April 2023, no previous history.

I was expecting them to report the whole history I have with them, not just from the month they started reporting.

MorningcoffeeIV

I'd have been very surprised if they had reported the entire history after all this time 

dgmjr2018

Strange, my credit karma still hasn't updated to reflect my Chase account. 

Also, since I have multiple sub accounts, i wonder if it will only show the main account, or all of the accounts open on my Chase profile.

Alex9384

dgmjr2018 said:

Strange, my credit karma still hasn't updated to reflect my Chase account. 

Also, since I have multiple sub accounts, i wonder if it will only show the main account, or all of the accounts open on my Chase profile.

Mine is only showing the oldest account for now. Let's see if the other 6 appear on the file later on.

Alex9384

MorningcoffeeIV said:

I'd have been very surprised if they had reported the entire history after all this time 

Why? They certainly keep records for themselves since the account opening. Why not just report it to CRA?

MorningcoffeeIV

Because it involves the CRAs doing QA before àpplying the records. 

And as you'll probably know, they don't like that sort of effort.

ForumUser7

Alex9384 said:

My Credit Karma (TransUnion) updated today and I see my Chase account is now showing on it. But only 1 current account is showing, even though I opened 7. Maybe the ones opened later will show later? The account was opened in Dec 2021, but the first monthly green tick is only for April 2023, no previous history.

I was expecting them to report the whole history I have with them, not just from the month they started reporting.

Will you share details of each of my Chase accounts separately with credit agencies?

If you've got more than one Chase current account, we'll share just one record that covers all your accounts. This means you'll see just one entry for Chase on your credit profile.

https://www.chase.co.uk/gb/en/support/credit-agencies/

Alex9384

ForumUser7 said:

Will you share details of each of my Chase accounts separately with credit agencies?

If you've got more than one Chase current account, we'll share just one record that covers all your accounts. This means you'll see just one entry for Chase on your credit profile.

https://www.chase.co.uk/gb/en/support/credit-agencies/

Thanks. I'm wondering if Chase join CASS later on and you'll then switch out one of your multiple accounts, what will show on your credit files...

masonic

Alex9384 said:

ForumUser7 said:

Will you share details of each of my Chase accounts separately with credit agencies?

If you've got more than one Chase current account, we'll share just one record that covers all your accounts. This means you'll see just one entry for Chase on your credit profile.

https://www.chase.co.uk/gb/en/support/credit-agencies/

Thanks. I'm wondering if Chase join CASS later on and you'll then switch out one of your multiple accounts, what will show on your credit files...

AIUI you have just one current account, split into virtual pots. A CASS transfer would therefore merge these virtual pots.

Nebulous2

masonic said:

Alex9384 said:

ForumUser7 said:

Will you share details of each of my Chase accounts separately with credit agencies?

If you've got more than one Chase current account, we'll share just one record that covers all your accounts. This means you'll see just one entry for Chase on your credit profile.

https://www.chase.co.uk/gb/en/support/credit-agencies/

Thanks. I'm wondering if Chase join CASS later on and you'll then switch out one of your multiple accounts, what will show on your credit files...

AIUI you have just one current account, split into virtual pots. A CASS transfer would therefore merge these virtual pots.

I've suspected that it is only really one account. You don't get another debit card.

It would seem almost too easy to setup a Chase sub-account for switching purposes when they join CASS otherwise. 

dgmjr2018

Just opened Credit Karma and found that my Chase account was recently added to the file with the green tick for April 23.