CC's not appearing on credit reports?

[alberto2005]

Hello, there!

For some reason, my business credit card is not listed on any of my credit reports from Equifax, Experian, and Trans Union. Is this customary with business credit cards? I have had this credit card for more than two years, so I was expecting to find it on my credit reports.

Until next time,

Albert L.

[stevie2012]

If the business card was not issued under your SSN, it will not appear on your credit report.

If it was issued under your SSN, there are some CC companies that do not report to all credit bureau agencies. I had a gas card at one time, as well as a regular Visa, that did not report to ANY of them unless "I was behind in my payments." (exact words out of their mouth)

Even if the debt is not listed on any of the reports, still be sure to list it.

[alberto2005]

Dear Stevie2012,

Thank you for your reply.

Your information has been very useful. So, I guess that my CC is not reporting "unless I fall behind payments".

No, I am not planning to list this CC because it has a zero balance.

All the best,

Albert L.

P.S.: Yes, the card is using my own SS.