Off cycle reporting is an exception and not usually done on request. Typically you need a valid reason such as being in the mortgage process because it costs them money to do so. In addition, some lenders will list it as a dispute and note your file on the bureaus as such so one should be careful. While discover may have done it in the past, there's no guarantee they would continue. Sounds like they want to review your file.
@MikeyMagic wrote:
@Brian_Earl_Spilner wrote:Off cycle reporting is an exception and not usually done on request. Typically you need a valid reason such as being in the mortgage process because it costs them money to do so. In addition, some lenders will list it as a dispute and note your file on the bureaus as such so one should be careful. While discover may have done it in the past, there's no guarantee they would continue. Sounds like they want to review your file.
I got an email after I requested it and it said dispute. I didn't want a dispute and was annoyed and called back and the rep told me that's what they call an off-cycle report request!! What? That makes no sense.
Then I asked for it to be canceled was told it couldn't be canceled!! But the rep noted my account I didn't want it now and was told that would suffice.
Anyways, never again gonna ask for an off-cycle report with Cap1. Heck No!!
Td Bank is the same way. They report it as a dispute and it takes about 3 weeks to update.
It's great that you're here and learning, but you're doing too much. You've just caused yourself an unnecessary situation for probably no benefit whatsoever. As evident by your other posts, you're building/ rebuilding and right now less is more. We've all been there early in our journeys. We get excited about updates and higher scores, so I'm not being a **bleep** when I say this, but sit on your hands for a bit or just give back to the community in the way people have for you. Your time will come
