Starting Score: 580
getahead wrote:Has anyone had their CCC report a balance before the statement date? My next statement date is 1/10/12 & I received a SW alert stating my balance on my CC & it dropped my score 53pts!! I'm so upset, because I normally pay it off before the statement cuts but used it heavily this past momth, I just PIF but it didn't report yet. WTH? anyone had the same experience?
Happened to me twice, an unexpected mid-cycle report, both times on a BofA CC. I usually pay off the balance before the billing cycle closes, like you do, and it did screw that up for me. But as others have suggested, it went back to normal at the expected normal statement closing.
I called CS each time, got escalated a few stages, finally found someone who knew what I was talking about. Same reason as what GregB reported: major upgrade (trying to simulate the CS honcho's breathless tone) to their software.
It has happened to me twice as well both cases by BoA 1 was sometime in september of last year when I was looking for mortgage and the other was just last week. The first time around I called them and they went round and round. They did update it to reflect my current balance as they won't go back to my older balance so once you have it paid to where you want it you can always call them and dispute it. i.e if BoA is the culprit
I also PIF my sam's club credit & Walmart card, crossing fingers.
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