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kabrex wrote:

I never heard of an out of cycle update.  Thanks for the heads up. 

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If they won't do an out of cycle update, just dispute the balance through the CRAs, balance disputes only take a few days to resolve, since they can send the info electronically.

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Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge

I disputed the balance on my CC 14 days ago and still no update. LOL

NFCU Cash Rewards Siggy $17.5K, NFCU Flagship Rewards Siggy $17.5K, NFCU Platinum MC $10K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1

I was able to get financing with Ally through my dealer for $37k with $0 down at 7%. Dealer pulled a score of 666. This was almost exactly a year ago. My scores are now in the 700s and I have a sizable sum to pay down principle, so I will probably be refinancing soon.