I made a payment at Sears for my Discover, and it took a couple of days to post and ended up posting AFTER the statement closing date. So instead of 0, I now have a big balance reported, and this is a problem because I'm about to shop for refinancing, not to mention the scary possibility of adverse action on my other cards. So I called Discover, and the CSR didn't even understand my question the first time, and then told me that they report balances every 30 days, and I just have to wait.
So, FICO forum experts, is there anything I can do or any number I can call to cause Discover to update balances reported to CRA?
They always update with a granted CLI request, but that won't help you with a refinance in the works. I think they pull hard for customer initiated CLI's now, and I don't think you'd want an inquiry just now.
Wait for others to chime in here, maybe they can help. Sorry, that's the best I can do.
P.S. I think I'd call again, ask them to update your report because of the payment on the large balance. Tell them about the refi, and why an update right now is important. Maybe that'll work.
Next time make the payment online before 5PM. It will be posted to your account on the same day.