Hi,
I paid off my Discover Card about a month ago, which prompted Discover to give me a CLI without me asking ($6700 CL to $8000 CL). Of course, I'd like both the pay off and the CLI to report since they will both help my util significantly, but despite my statement cutting on the 4th, I've seen no update through my monitoring here on myfico.com and through credit karma etc.
I read here that sometimes if there are no purchases, there is a $0 balance etc., Discover just won't report to the agencies, so on Monday (the 10th) I asked that they off-cycle report as I plan to app for a mortgage soon and they agreed to do so. Yet still nothing in terms of an update here or at creditkarma!
Any idea how long it takes to reflect an off cycle report in your credit report/FICO score?
Thanks!
Starting Score: 644 (EQ) 646 (EX) 670 (TU) as of 11/2013
@Alberio wrote:Hi,
I paid off my Discover Card about a month ago, which prompted Discover to give me a CLI without me asking ($6700 CL to $8000 CL). Of course, I'd like both the pay off and the CLI to report since they will both help my util significantly, but despite my statement cutting on the 4th, I've seen no update through my monitoring here on myfico.com and through credit karma etc.
I read here that sometimes if there are no purchases, there is a $0 balance etc., Discover just won't report to the agencies, so on Monday (the 10th) I asked that they off-cycle report as I plan to app for a mortgage soon and they agreed to do so. Yet still nothing in terms of an update here or at creditkarma!
Any idea how long it takes to reflect an off cycle report in your credit report/FICO score?
Thanks!
Takes 2 statement cuts after a CLI for the account to update to the CRAs.
