topic Re: Off Cycle Update/Mid Cycle Update to Credit Report in General Credit Topics

Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Wed, 05 Sep 2018 22:31:52 GMT

I am writing this because I don't see many up to date posts about this, but I had some luck with off cycle/mid cycle updates to the credit bureaus.

Tip: YOU ARE GOING TO APPLY FOR A MORTGAGE. MAKE SURE THEY BELIEVE THAT AND MAKE SURE YOU BELIEVE IT. SELL IT. YMMV

Discover: Easiest one. Just use the chat feature. Took a few days.

Chase: Automatic at 0 Balance.

Citi: I called and talked to front line people and supervisors 10-15 times. Consisted of a very large range of them just being ignorant of what I was saying or flat out rudely saying no. Simply call the Executive number and boom, she did it without a problem and it updated in less than 24 hours. Here is a direct line to one of their actual numbers: 605 357 2077 If that doesn't work, call the general one at: 605 331 1698

Cap One: They will say no up front. Call execs. Give them the spiel and they will say Yes. Just sell it. (YMMV, I am military and sold that as well)

Re: Off Cycle Update/Mid Cycle Update to Credit Report

stw715 — Thu, 06 Sep 2018 00:43:34 GMT

Are you doing it just to do it or for some specific reason.

Instead of trying to “sell” anything and go thru all that? Simply plan bit ahead or wait couple of weeks.

If I was in military I wouldn’t risk dishonoring myself and my Branch for a mid-cycle credit report update.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Thu, 06 Sep 2018 01:15:03 GMT

Amex will do it as well if you call their credit bureau division.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Thu, 06 Sep 2018 01:30:10 GMT

Well Sir, since you have obviously come here to spread your wisdom in a condescending way, let me answer you. I am doing it because I am about to PCS and need to get a loan at a much better rate to help consolidate my wife's private student loans, and I paid all my balances down at literally the worst possible time for each card (trust me, I know I goofed). So I needed them to help me out so I could do it before I PCS this Friday and leave. But thank you for telling me I am dishonoring my branch simply because I said that I was military and leaving and needed to execute this before I left. And btw, everyone says they're asking for the update because of a mortgage. It is literally what everyone says to do and is the main thing the lenders will listen to. And as for the proper planning...life and financial struggles ruins proper planning. It happens.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

K-in-Boston — Thu, 06 Sep 2018 15:30:05 GMT

*Ahem* Just dropping in with a reminder to keep comments FSR.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Mon, 08 Apr 2019 15:12:14 GMT

Thank you so much for sharing this because you saw others had not and saw the value. I am applying for a mortgage this week and running around trying to ensure everything is a smooth as possible. I am so grateful to you for sharing this information, the phone contact at CITI bank alone is worth a pound of gold. Thank you sir!

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Thu, 11 Apr 2019 18:55:18 GMT

Very good info. I caught heck getting a mid-cycle report from Citi, called 10-15 times, sent multiple faxes, ect... Finally occurred, but 8 days past my "deadline." They had promised me via multiple supervisors it would be done by my deadline and just didn't happen until too late. And they had over 2 weeks notice.

No prob from Chase and AmEx.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Aloha808 — Sat, 04 May 2019 00:02:41 GMT

@Anonymous wrote:
I am writing this because I don't see many up to date posts about this, but I had some luck with off cycle/mid cycle updates to the credit bureaus.

Tip: YOU ARE GOING TO APPLY FOR A MORTGAGE. MAKE SURE THEY BELIEVE THAT AND MAKE SURE YOU BELIEVE IT. SELL IT. YMMV

Discover: Easiest one. Just use the chat feature. Took a few days.
Chase: Automatic at 0 Balance.
Citi: I called and talked to front line people and supervisors 10-15 times. Consisted of a very large range of them just being ignorant of what I was saying or flat out rudely saying no. Simply call the Executive number and boom, she did it without a problem and it updated in less than 24 hours. Here is a direct line to one of their actual numbers: 605 357 2077 If that doesn't work, call the general one at: 605 331 1698
Cap One: They will say no up front. Call execs. Give them the spiel and they will say Yes. Just sell it. (YMMV, I am military and sold that as well)

Thanks for the info! I called Citi at the number you provided, and they updated my credit utilization within 24 hrs.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Sat, 04 May 2019 04:41:59 GMT

I wish I would have called the EO for Citi when I needed my update, bad thing was I had used it in the recent past and I didn’t wanna be a bother again. Lol

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Thu, 16 May 2019 03:28:32 GMT

So just to update, synchrony has done a couple off cycle updates for me without a problem.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Namaste7 — Sat, 10 Aug 2019 22:54:08 GMT

@Anonymous wrote:
So just to update, synchrony has done a couple off cycle updates for me without a problem.

I know this is an old thread, but what # did you call or did you make the request via chat?

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Sun, 11 Aug 2019 01:37:18 GMT

If I recall correctly, I think I did it via chat on the website.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Sun, 15 Sep 2019 15:37:46 GMT

How were you able to get Amex to update off-cycle? I’m going through some refinancing and my statement just posted, but can’t wait 30-45 days for the next update. Any advice would be greatly appreciated :-)

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Sun, 15 Sep 2019 20:15:34 GMT

You have to call and talk to the credit bureau team. They will tell you they don’t normally do this, but they will do it for you, as long as you don’t make a habit out of it.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Aloha808 — Wed, 27 Nov 2019 19:26:40 GMT

Called Citi's executive office, and was told they no longer do off- cycle reporting.

Re: Off Cycle Update/Mid Cycle Update to Credit Report

Anonymous — Wed, 27 Nov 2019 21:35:31 GMT

That’s always the first line answer from everyone: we don’t do it or we stop doing it because they don’t wanna do it.

I’m not saying they definitely will, but you do have to really sell it to certain lenders and Citibank was one of the hardest that I ever had done and when I did it took them way longer than they were supposed to, but YMMV.