Any known way to trigger a mid-month reporting?

[kroberts67]

I read on some thread awhile back that suggested that you change your address and sometimes that would trigger an a reporting to the CB's.  Has anyone experienced this with any banks?  I paid off a card the day after it reported (they reported 3 days early in Feb, I'm thinking due to the short month.  BLAH.)

[enharu]

---

@kroberts67 wrote:

I read on some thread awhile back that suggested that you change your address and sometimes that would trigger an a reporting to the CB's.  Has anyone experienced this with any banks?  I paid off a card the day after it reported (they reported 3 days early in Feb, I'm thinking due to the short month.  BLAH.)

---

some banks are able to do a manual update if you ask for it, though it may require quite a bit of nagging / complaining from your end.

changing your address will usually result in an update to the CRAs, but it may result in fraud alerts / ID verification for your future apps if you are to use your 'old' address.

Unless you are planning to apply for some important loan or desperately need to apply for credit, this is too much trouble for what it's worth... 

[kroberts67]

---

@enharu wrote:

---

@kroberts67 wrote:

I read on some thread awhile back that suggested that you change your address and sometimes that would trigger an a reporting to the CB's.  Has anyone experienced this with any banks?  I paid off a card the day after it reported (they reported 3 days early in Feb, I'm thinking due to the short month.  BLAH.)

---

some banks are able to do a manual update if you ask for it, though it may require quite a bit of nagging / complaining from your end.

changing your address will usually result in an update to the CRAs, but it may result in fraud alerts / ID verification for your future apps if you are to use your 'old' address.  It would just be from my PO Box to my Phys so both are good addresses.  I might change it just to see if it works.

Unless you are planning to apply for some important loan or desperately need to apply for credit, this is too much trouble for what it's worth...   I need to get the best I can when I app for Care Credit.  It can wait another month, it's partly obsessiveness and partly irritation that it repoprted on the 7th instead of the 10th, it's never wavered a single day in the last year.

---

[Odiseous]

---

@kroberts67 wrote:

I read on some thread awhile back that suggested that you change your address and sometimes that would trigger an a reporting to the CB's.  Has anyone experienced this with any banks?  I paid off a card the day after it reported (they reported 3 days early in Feb, I'm thinking due to the short month.  BLAH.)

---

I don't know about other banks. But, I have done this a couple of times with BofA.  I just re-typed in the same address info and saved it, and a couple days later the CRAs were updated with the new balance.

[kaskuli]

I experienced the same thing when I was doing an aggressive debt paydown last Nov-Dec prior to my apps in January. I know what you're going through I don't think it's obsessive at all, in the end, I was rewarded with huge starting limits, so I think your strategy is correct. I wish I had tried the address change tactic mentioned above, I just never thought about it ... but it makes sense. I tried to get Wells Fargo to do an off cycle update and they just wouldn't budge.

[kroberts67]

---

@kaskuli wrote:

I experienced the same thing when I was doing an aggressive debt paydown last Nov-Dec prior to my apps in January. I know what you're going through I don't think it's obsessive at all, in the end, I was rewarded with huge starting limits, so I think your strategy is correct. I wish I had tried the address change tactic mentioned above, I just never thought about it ... but it makes sense. I tried to get Wells Fargo to do an off cycle update and they just wouldn't budge.

---

I updated 3 or 4 cards with my phys addr, so if I see anything update I'll report back. 

[HeilFico]

Discover will do this for you if asked nicely.