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Can you ask a creditor to report mid-month?

Valued Contributor

Can you ask a creditor to report mid-month?

II might be significantly paying down and paying off some accounts. I was wondering if you can ask a creditor to report mid-month instead of waiting until after the statement closes? Would like to get those new balances reported sooner to bump up my scores and then make some rounds for CLIs.

 

Thanks! 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 1 of 5
4 REPLIES
Epic Contributor

Re: Can you ask a creditor to report mid-month?

Yes, you can ask for a mid-cycle update.  Not all of them will do it.  Never hurts to ask.

Message 2 of 5
Frequent Contributor

Re: Can you ask a creditor to report mid-month?

Wow, this is an awesome question.....the very same thing I've been pondering for days now. I have an installment I'm paying off in a few days, and I would love for them to report early it's paid off....

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Message 3 of 5
Super Contributor

Re: Can you ask a creditor to report mid-month?

 

I agree you can ask, however be aware that many CSR don't know what this is, or even how to request it, so depending on the creditor it may not be easily achieved.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 4 of 5
Highlighted
Valued Contributor

Re: Can you ask a creditor to report mid-month?

The one that I'm thinking about is Target.
Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 5 of 5