04-08-2017 07:57 AM
I paid down 30% of my credit card debt around April 5th.
I made a great deal on a new car lease pending the credit pull.
The vehicle is being built to order. I put down a 1k deposit.
The finance company only uses Transunion and they may pull my credit before the end of the month, before the 30% I paid down is posted to TU and before the 30% is reflected in my score.
Any tricks or advice to help me get the credit card companies to expedite reporting the 30% decrease to TU?
04-08-2017 08:31 AM - edited 04-08-2017 08:31 AM
There's a recent topic with information on what some companies do, but the list is by no means complete.
If your card isn't included in that list, it can't hurt to call and ask.
04-09-2017 08:50 AM
You can always ask if they'll report early. I don't know who you use, but I just had Discover report early this month to reflect an increased trade line.
04-09-2017 10:34 AM
I just called Discover and they were happy to do an "off cycle" report for me.
I'm going to try Amex today. Not holding my breath.
04-20-2017 09:18 AM
This was very helpful. Both Discover AND Amex were happy do do off cycle reports. Took about 3 days to post with all 3 Credit Bureaus.
Barclay Card Apple Rewards was a complete dud -- no help whatsoever. Wouldn't even let me speak to their credit dept.
Trying Paypal now. Will update.
04-27-2017 08:41 AM
Paypal did an off cycle credit report for me as well! Took a little bit of time on the phone to get their credit department on the phone, but they reported off cycle. Took 4 days to appear on my credit report.