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Will CCC do a mid cycle update if asked? Or is it a crapshoot? I ask because my best buy card reported at 95% util (OUCH, I know!) and I saw a 27pt USAA CMS drop (FAKO, I know.). My payment today brings it down to 65% util (still crap-tacular, but better than 95!). It was due the 5th, but I'd made an early payment in July..update was 8/10.
I don't *need* the points until September 26th (need a 640 mid!), so I imagine if I knock it down to 0%, I'll get my 27 points back, and then some....right?
When it reports the next statement it will recalculate the score, itheres no record kept of utilization history that is used for scoring