topic Re: Midcycle in General Credit Topics

Midcycle

Anonymous — Sat, 02 Jan 2021 03:19:02 GMT

Wondering if there is any way to get the following lenders to do an off cycle report:

Chase

Citibank

Capital One

Re: Midcycle

Slabenstein — Sat, 02 Jan 2021 03:19:50 GMT

Chase will off-cycle report whenever you have a $0 balance. Dunno about the others.

Re: Midcycle

FinStar — Sat, 02 Jan 2021 03:45:20 GMT

Citi does not, unfortunately. Capital One is YEMV.

Re: Midcycle

Anonymous — Sat, 02 Jan 2021 04:11:31 GMT

What's YEMV?

@FinStar wrote:
Citi does not, unfortunately. Capital One is YEMV.

Re: Midcycle

800wannabe420 — Sat, 02 Jan 2021 06:35:08 GMT

@Anonymous wrote:
What's YEMV?
@FinStar wrote:
Citi does not, unfortunately. Capital One is YEMV.

YEMV = Your Experience May Very

Re: Midcycle

RonM21 — Sat, 02 Jan 2021 11:34:25 GMT

I'm with the above posters on this and have experienced it as well with each one. Chase always mid-cycle reported without me requesting when I paid a balance down to $0. I tried with Citi a few times and failed lol. And with Cap1 on a QS I had some time ago, once they did it and another time they told me they've never done it before 🤪