It’s a good idea to review your credit reports every year. You want to know what your credit looks like, but you also want to look for any errors or hints of fraud . You may also be concerned if you don’t see one of your accounts on your report, though. Here’s why that might happen.


As Credit.com explains, there are a few reasons why an account may not show up on your report. For one, the account might be too new. Typically, the inquiry from the financial institution will show up on your report first—you’ll be able to see they pulled your credit to approve your account. From there, the actual account itself usually shows up 30 to 60 days later.


Beyond that, if you’re an authorized user, that could affect your report, too. According to Rod Griffin, director of public education at Experian, activity from authorized users don’t always show up on their report.

Finally, it’s worth noting that banks and lenders don’t have to report your info. Credit.com explains:

When asked why some businesses choose not to report a credit card, Griffin said that in some cases it’s simply a business decision that may be related to cost-saving measures. “For example, a small local bank or regional bank may choose to report to just one credit reporting company instead of two or three,” he said.


Chances are, if an account isn’t showing up, it may be too new. If not, you can always check with the bank or lender itself and ask about their credit reporting process. For more detail head to the link below.

Why Isn’t My Credit Card Showing Up on My Credit Report? | Credit.com

Photo by Blue Coat Photos .