cancel
Showing results for 
Search instead for 
Did you mean: 

Changing Reporting Date

Valued Contributor

Changing Reporting Date

Good day to everyone,

I remember seeing this before but I cannot locate it on the forum. I made two large payments that will lower my credit utilization quite a bit, but they will not report for 3 weeks. Is there a way of calling and getting them to report sooner?

I appreciate the assistance.

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


Take the myFICO Fitness Challenge
Message 1 of 5
4 REPLIES
Valued Contributor

Re: Changing Reporting Date

I remember reading about this too…IIRC, there was a way that mortgage lenders could force an updated score through an immediate pull. I forget what this process is called.

 

You can also contact CCC to change due date, thus changing closing and reporting dates.

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 2 of 5
Established Contributor

Re: Changing Reporting Date

You can try calling and asking for a mid cycle update. They may or may not honor your request.

I also read before that someone changed their address with the CCC (same address but with a slight variation) to force an update. This was for BofA and I think it worked. I tried it and it didn't work for me.

Generally, in this situation, you have to wait till the CCC updates your report.
Message 3 of 5
Established Contributor

Re: Changing Reporting Date

Yeah, just call in and ask for a mid cycle update. I've done it before with Barclays and they did it no questions asked. Don't know about other lenders, though.

      
Message 4 of 5
Highlighted
Valued Contributor

Re: Changing Reporting Date

One term that's used in the mortgage industry is "rapid rescoring".

 

I don't think it's available at the consumer level, unless a specific CC company will accommodate you.

 

Message 5 of 5