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Frequent Contributor
Posts: 274
Registered: ‎10-05-2012
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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.

About 400k in Credit Lines
CSP 29.9k, Citi DP 42.5k, Chase Marriott 12k, Chase IHG 6.5k, Sams MC 20k, Amex Hilton Surpass 356k, Hawaii Air 26k, Discover More 50k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 43.8k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 43.7k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Valued Contributor
Posts: 1,578
Registered: ‎08-30-2011
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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. 

EX = 828 EQ = 846 TU = 833 as of 02/2016
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Valued Member
Posts: 47
Registered: ‎05-22-2012
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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.  

myFICO Equifax - 675 (June 2013)
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In the garden since 6/7/2013
Valued Contributor
Posts: 1,578
Registered: ‎08-30-2011
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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. 

EX = 828 EQ = 846 TU = 833 as of 02/2016
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