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I deliberately left a $2 balance on my Orchard the end of last month to see what happened. I PIF'ed it and the Creditkeeper fee 2/3.
I got a Scorewatch alert 2/15 that my balance had increased by $2. As many people have said on here, almost all HSBC accounts get reported as of the last day of the month. Interesting that all the CLD's occurred 2/18, just after that alert date. That might mean that they will report everything as of February 28, and the alert would go out about 3/15.