10-07-2012 03:44 PM
10-07-2012 04:09 PM
GECRB has done the mid cyle bit on me before. Didn't really matter then as I wasn't apping for anything. However if I was at the point were I was needing a score bump I'd have been upset too.
10-07-2012 04:26 PM
10-07-2012 04:27 PM
Is there any rhyme or reason to why they mid-cycle report? CLI, BT, etc?
Full moon? I have no idea on mine. I didn't change anything.
10-07-2012 04:30 PM
I guess there is always a good explanation for Discover doing this (SP, CLI, statement change) ... nevertheless, what is the problem? It may not be a good thing for us, but as long as someone does not want to apply for something, it doesn´t matter that much in my opinion.
Do not get me wrong, I will not like it either, if they do that to me. But as long as it is in some form legal for them to do that, there is not much one can do. Besides SD the card maybe.
10-07-2012 04:42 PM
Discover always mid-cycle reports for me when I request a CLI. You can actually use this to your advantage by paying down your balance to zero and requesting another CLI.
10-07-2012 04:45 PM
He He even if you do not get one, you win
10-07-2012 04:57 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.