Goldman Sachs have started reporting

[Feenician]

Had a couple of alerts this morning. Looks like GS have started reporting to the credit agencies as promised. I don't think it will be particularly impactful to my credit score either way though.

 

[Erehy Dobon]

I received alerts as well. My TransUnion score went up 6 points, about +0.73%. So yeah, not particularly impactful.

My credit utilization on the Apple Card is 0.0%.

 

[Feenician]

I received alerts as well. My TransUnion score went up 6 points, about +0.73%. So yeah, not particularly impactful.

My credit utilization on the Apple Card is 0.0%.

Hasn't hit Transunion for me yet but Equifax picked it up and gave me +3. I won't know if my FICO score changed for a few weeks as I just monitor Discover's free service. I'm 4 months shy of 5 years in the US and they're all around 800 though so I'm not worried about +/- a few points.

Both my frequent shopping stores (Safeway and Walgreens) accept it so it's become my most used card, by way of Apple Pay. Restaurants, gas, Amazon and larger purchases typically go on my Chase Prime card. Everything gets paid off at the end of the week at latest. Happy with my strategy here; haven't paid an extra cent to anyone but gotten a considerable amount back.

 

[C DM]

Everything gets paid off at the end of the week at latest. Happy with my strategy here; haven't paid an extra cent to anyone but gotten a considerable amount back.

Curious, any particular reason for doing it every week rather than let's say at the end of the billing cycle basically?

 

[Feenician]

Curious, any particular reason for doing it every week rather than let's say at the end of the billing cycle basically?

Basically because I'm too lazy about it to remember when each report in. Using credit cards to pay daily expenses, then paying them off weekly (and I use weekly very approximately here. It can be 2 days or 10 days when I decide to check and pay balances) means utilisation is always low. If I make a larger purchase I typically pay it off that day.

As a recent-ish immigrant my overall credit limits still aren't great, despite my scores, so low credit utilization is one of the most important factors To keep it moving up.

 

[Weaselboy]

Moderator Note:

Please continue the discussion in the news thread:

https://forums.macrumors.com/threads/apple-card-beginning-to-show-up-on-credit-reports.2214488/