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Regular Contributor
Bay_Area_Joe
Posts: 240
Registered: ‎10-05-2012

B of A to do Mid Cycle CR update, how to?

I need help from the forum.

 

How do I get Bank America to force a mid cycle update of my credit report ?

 

I had paid my balance in full (just over 5k) and it showed up one day late to be included in this statement.

 

Please any help would be apprciated.

 

Kind regards to all.

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Valued Contributor
thom02099
Posts: 1,286
Registered: ‎08-30-2011

Re: B of A to do Mid Cycle CR update, how to?


Bay_Area_Joe wrote:

I need help from the forum.

 

How do I get Bank America to force a mid cycle update of my credit report ?

 

I had paid my balance in full (just over 5k) and it showed up one day late to be included in this statement.

 

Please any help would be apprciated.

 

Kind regards to all.


There have been prior posts and reports that, if you go in to your personal profile on their website and make a change of personal information, when they update that information, they make an updated report to the CRA.  That said, I did that recently for the same reason, to get a mid-cycle report and it didn't happen.  Made several changes on my personal profile info (changed/added a phone number, changed an email address, etc), but that did not force a change to BofA reporting mid-cycle.  Perhaps there's something else that I needed to change to force a new report, and just didn't do it right. 

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Valued Member
wonderandawe
Posts: 47
Registered: ‎05-22-2012

Re: B of A to do Mid Cycle CR update, how to?

[ Edited ]

I don't think your email address or phone number are posted to your credit report, so it needs to be a mailing address.  Though it might need to be a change to a new address, there are data processing techniques know that 123 Main Street #1 and 123 Main Street Apt 1 are the same address.  

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Valued Contributor
thom02099
Posts: 1,286
Registered: ‎08-30-2011

Re: B of A to do Mid Cycle CR update, how to?


wonderandawe wrote:

I don't think your email address or phone number are posted to your credit report, so it needs to be a mailing address.  Though it might need to be a change to a new address, there are data processing techniques know that 123 Main Street #1 and 123 Main Street Apt 1 are the same address.  


Yup, that was part of the "etc" in my message, a minor variation on the street address.  Even though the phone number and email are not reported on the credit report, it was my understanding that, making any such a change, as well as address change, would prompt a new report to CRA, even though the data itself that was changed might not show up on the CR. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K / Wells Fargo Platinum Visa $7.5K / Home Depot $9.7K / Lowes $10K

EX = 765 EQ = 743 TU = 825 Mar/2014

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