Frequent Contributor
Posts: 299
Registered: ‎05-28-2012

Mid cycle updates?

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?

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

Senior Contributor
Posts: 3,526
Registered: ‎01-19-2009

Re: Mid cycle updates?

When it reports the next statement it will recalculate the score, itheres no record kept of utilization history that is used for scoring

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