topic Re: Asking a CCC to report after CLI? in Credit Cards

Asking a CCC to report after CLI?

Anonymous — Sat, 28 Feb 2009 02:09:38 GMT

Hey, does anyone know if a CCC will re-report to the CRAs if you request them to? I just got a CLI one day after my statement date, paid the card down to under 9% on the same day. This was a couple of days ago, and they just reported today with my statement balance and old CL. Do I have to wait another month, or can I call and ask them to re-report the new balance and limit?

As always, thanks!!

Re: Asking a CCC to report after CLI?

smallfry — Sat, 28 Feb 2009 03:32:23 GMT

Wait a month.

Re: Asking a CCC to report after CLI?

Anonymous — Sat, 28 Feb 2009 03:34:11 GMT

If the card is w/ BofA, they're kind enough to do mid-cycle updates automatically when something changes on your acct (like a CLI).

Call and ask -- won't cost a thing!

Re: Asking a CCC to report after CLI?

Anonymous — Sat, 28 Feb 2009 03:41:03 GMT

Thanks, I think I will call and ask. Just pulled my scores here and going from 85% to 22% bumped me from 641 to 660 on EQ (677 to 725 on TU...I may have to move to a TU state!!! lol), don't know if I can wait a month to see the additional bump now that I'm under 9%!!!

Re: Asking a CCC to report after CLI?

fused — Sat, 28 Feb 2009 03:54:07 GMT

WhirledPeasPlease wrote:
If the card is w/ BofA, they're kind enough to do mid-cycle updates automatically when something changes on your acct (like a CLI).

Call and ask -- won't cost a thing!

Yup! BoA and FIA did this.

Re: Asking a CCC to report after CLI?

Anonymous — Sat, 28 Feb 2009 03:59:35 GMT

Thanks a lot guys! It's CB&T, hopefully being regional they'll be easy to work with!! Like Whirled said, won't cost a thing!!

By the way, it's probably a pretty good bet that Chase would pull EQ for a CC app in Alabama, right? Any good cards pull exclusively TU?

Re: Asking a CCC to report after CLI?

Anonymous — Sat, 28 Feb 2009 14:36:54 GMT

Barclays/Juniper usually pull TU, but you're never 100% sure.

My last three TU pulls (Indiana): GEMB/Ikea, USBank and Barclays/Barnes and Noble.

Re: Asking a CCC to report after CLI?

Anonymous — Tue, 03 Mar 2009 23:44:06 GMT

Well, this is a combonation of 'Ask and ye shall receive' and 'Be careful what you wish for'....lol

I emailed and asked about mid-cycle updates and explained I was just granted a CLI one day after my regular update. I asked if they could re-report with my current CL and balance (utl was at 22% but paid down to 5% the day of the CLI).

They re-reported today (ask and ye shall receive), BUT....they reported a balance of 0 (Be careful what you wish for)!!! That is not my actual current balance, but it was better than what was reported before. Bumped me from 660 to 672. I was hoping to see what my max score is. At least I know it's probably better than 672...lol

Actually, I guess that little experiment is moot since today an OC agreed to remove my only collection once it's paid!!! ($25..umm...done and DONE!!!!)

Sorry Whirled, but your puppy's grin has nothing on mine right now!!! Cute pup by the way!! Have you seen the video going around of the dog dreaming? Classic!!!

Thanks everyone, I really appreciate everyones input (and patience with a newbie!!)

Message Edited by CDB_99 on 03-03-2009 05:44 PM

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 00:00:39 GMT

Grin away! Aggie is a big baby in a lot of ways. She's a rescue who'd been in a shelter/foster situation her whole life. She has a lot to smile about now that she's in my 'whirled'! I haven't seen the dog dreaming video, but I get to see my dogs dream all the time. The lab/beagle chases rabbits in his sleep, and Aggie (shepherd/coonhound) dreams of beating up the lab/beagle.

Please post your new score when you see the 'clean' report. I need some score excitement in my life -- my scores are so boring at the moment. The only excitement is on EX due to inqs aging off, but of course I can't see it progress with respect to score.

Btw, Queen Aggie says WOOF WOOF, WELL DONE!

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 00:44:20 GMT

This is my little Sadie girl in the snow we got down here this weekend. I think it's the first she's ever seen!! lol She's also a rescue dog, although I think she thinks she rescued me!! lol She's staying with a friend while I'm on the road, not sure she's going to want to go home this time!!! lol

[ Pretend I know how to put a pic here and that it's SOOOOO cute!!!!!! ] lol sorry, don't know how to attach yet.

The only place I know of to see it is here...

http://www.thebigshow.com/video_day/videoNew.php

It was the 'video of the day' yesterday. It'll be below the video that starts playing (which is also cool).

I'll update as soon as everything's squared away. Hopefully it (EQ) will go up as high as my TU (725), since it's the report that matters most for me!!

ETA - Awwww, what a cutie!!!! Give Aggie a rub on the head and tell 'er I said thanks!!!!

Message Edited by CDB_99 on 03-03-2009 06:44 PM

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 00:54:05 GMT

Discover gave me a CLI yesterday, and when I checked my reports at 6:30am today, the new limit was already showing on EX. BofA, as mentioned above, does the same (along with instantly updating balances you BT to them).

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 01:48:34 GMT

Awee cute faux pic of mystery dog!

I saw the video -- I swear that could be my lab/beagle, Chester.

PS - to insert a pic find the link to it (where it's hosted, ie photobucket), and click on the lil tree icon in the middle of the 'edit' toolbar. Paste the link and you're good to go!

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 01:52:16 GMT

Ahh, that would be the problem...it's hosted on my laptop. lol Oh well, trust me, she's frikkin' aDORable!!!!!

As is, of course, Chester!!

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 01:58:51 GMT

(Last TJ msg from me, promise)

What kind of mutt is Sadie? And I'm sure she's purrrrrrrty! How old?

Aggie is two and Chester is three and a half'ish. (All ages are approximate, as, uhh, well, you know, they don't exactly come with papers when they're rescues.)

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 02:03:51 GMT

They say she is a Flat Coated Retriever, and that what she looks most like, but I'm sure she's mixed with something. I'm not entirely sure how old she is, they said she was about 2 when I got her (she was found as an adult stray), but the vet said she was more like 4-6, which makes her 7-9 now. She's got a fair amount of white on her chin now, and bad hips...but her attitude is ALL PUPPY!!!! lol (and Luv Muffin, when I've been gone for a while).

As for the TJ, I've had my Q's A'd, so jack away!!!!!

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 02:17:06 GMT

CDB_99 wrote:
They say she is a Flat Coated Retriever, and that what she looks most like, but I'm sure she's mixed with something. I'm not entirely sure how old she is, they said she was about 2 when I got her (she was found as an adult stray), but the vet said she was more like 4-6, which makes her 7-9 now. She's got a fair amount of white on her chin now, and bad hips...but her attitude is ALL PUPPY!!!! lol (and Luv Muffin, when I've been gone for a while).

As for the TJ, I've had my Q's A'd, so jack away!!!!!

Sorry, it's really easy to get me to talk about dogs. Aggie will know all about the bad hips thing one day -- the girl is ALL legs! I've already got her started on hip and joint treats, just to make sure. She's currently panting like crazy after playing ball (by herself) for the past half hour. She chews, lets it roll away, pounces on it, kicks it, catches it, then does it all over again. Makes my 'job' easy!

White hair on the chin gives dogs character, right? At least that's what we say about gray hair on humans!

I do believe Chester has aged 10 years since Aggie came 'home'. He's content to escape the Ag'ster and hang out on the couch.

Ahhh... dogs..

And yes, dogs in the snow = tons of fun, especially if they're new to it! So cute to watch them hop around like deer in the woods -- or make little doggie snow angels!

(Btw, glad you're the OP and you got your question answered!)

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 02:30:08 GMT

Just remembered I had posted this photo somewhere a year or so ago. Just uploaded the snow pic, will include it too when it gets posted. Till then....SAY CHEESE SADIE!!!!

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 02:34:56 GMT

CHEESE SADIE!

She's a beauty!!! Gorgeous, even!

Chester will probably dream about chasing her tonight instead! LOL

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 02:46:02 GMT

LOL She has this thing about other dogs, so she might be the one doing the chasing...

My friend (that keeps her when I'm gone) has a puppy thats about as big as she is now. They actually play now!!! I think she just needed to find a friend that she could dominate. lol (I think it's from her history as a stray)

I'll tell her she's made a sweet dog swoon, maybe that'll make her more open to friends!! lol

I'll put the snow pic up probably tomorrow, so keep an eye out. I don't want to take up all your time, so feel free to go back to helping people, I'm going to start the truck shopping process!!!!

I've enjoyed the advice and the tangent, so thanks for that!! Hopefully I can post a # in the next week or two that starts with a 7!!!!! Will let ya know when it's all done.

Re: Asking a CCC to report after CLI?

Anonymous — Wed, 04 Mar 2009 03:03:30 GMT

Watching the dogs play is one of my favorite things -- I think that's why I went ahead and got another dog after I put my old dog down in November. I lasted almost 3 months as a one dog home. lol.

I'll look for the snowdog pic! Thanks!

Good luck w/ truck shopping!

Cheers to Ficos in the 700s!! I got to the 693-698 range before my mortgage tsunami hit! Well, that, and buying a lot of furniture on CREDIT. GASP! I'll get back up there.. and beyond, soon.. very soooooon!

Night! Thanks for the Dawg Talk!